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Safe Deposit Box Frequently Asked Questions

Who is authorized to remove my Safe Deposit Box contents in the event of my death?
If the box is jointly leased, the surviving Lessees continue to have access to the box without any restrictions. Upon
the death of the sole or last surviving Lessee, access to the box will be permitted for a Will Search by a Court appointed representative. In doing a Will Search, only the Will can be recovered. The Will is then sent to Probate Court by the Bank. The Court appoints a Personal Representative for the estate who will then have access to the box. This is the final access allowed to the box. The box items are inventoried by the Personal Representative and the lease is terminated.

Is a hand written note or a general Power of Attorney acceptable for someone to have access to my box?
No, because the Bank has no way of knowing if these documents are authentic or current.  A Power of Attorney document may grant access to your box, however, the Bank must be satisfied that the Power of Attorney is valid and may, in its sole discretion refuse to honor any Power of Attorney.

Can I appoint an agent to have access to my box if I become sick, disabled or take a long vacation?
Yes, you and the agent must come to the Bank to complete the required form. The agent will have authority to do all acts that could be done by you. The Bank takes no responsibility for the agent’s actions. This appointment is terminated upon written notice from you or upon formal notice that you have passed away, such as a copy of the death certificate.


Does the Bank insure my box contents?
No, since you have the only two keys to open the safe deposit box, you are the only individual having knowledge of its contents therefore the Bank cannot insure its contents. To obtain insurance for your valuables, consult your insurance agent for advice.


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