A power of attorney can be valid under state law and still trigger a bank's review process. Do not assume the rejection means the document is automatically invalid, but do obtain the reason and respond quickly.
Ask for the rejection in writing
Request the bank's specific reason, required form, and escalation process. The issue may be a missing notarization, an outdated document, unclear authority, or a mismatch between the agent and account records.
Check the document's execution and scope
Review witnesses, notarization, effective date, durability language, revocation, and the powers granted. A general clause may not be enough for a transaction involving real estate, gifts, or a business account.
Do not alter a signed document
Adding language after signing can create a new validity problem. If the document is insufficient, prepare a new one using the state's required formalities and any institution-specific requirements.
Escalate when the issue affects urgent care or finances
If the principal is incapacitated or a transaction is time-sensitive, an attorney can review the rejection, prepare a compliant replacement, and address whether court relief is needed.