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@joannebaca While there is a risk of a spouse absconding with funds, and there are stories of spouses taking non-trustworthy actions, no one on this board can appreciate or assess your trust factor and relationship with your spouse.  

 

But if the money was to be used to pay Mom's bills, why just not write checks off the existing joint account you have with her?  You are a joint account holder (and hold POA) which gives you the right to sign checks.  Feels like moving the money around is more complex.  What are the Credit Unions issues that make that problematic?