If the account holder loses legal capacity or is no longer legally able to manage their finances, their family cannot use their card, password, or signature in their place.
Steps
All transactions with the bank must be conducted with the correct legal authority and supporting documentation, such as guardianship, custody, or any other appropriate court order.
The first step is to inform the bank of the situation and request the required documents.
Any transactions should then be conducted only through the authorized legal representative.