My mom completed a DPoA naming me back in 1997. She kept it in a safe deposit box until it was needed. Now in 2017 Bank of America refused to honor it as it did not have the wording they use specifically in relation to bank accounts. Obviously we cannot update it to a newer form as she is now incapacitated. I need to be able to pay her bills and this is very frustrating.
As mentioned here, go ahead and set up automatic online bill pay, but only from your end. This may be a perfect permanent solution. I've been using it for years and I won't turn back, ever.
Another thing you can do is go bank shopping and when you find one that will accept your DPOA, then just change banks.
Finally, you can also speak to an eldercare lawyer and take the paper with you that your mom filled out. See what the eldercare lawyer says and whether or not you're now incapacitated mom can still maintain her DPOA. If not, you may need to go for guardianship if she's incapacitated enough that she needs it
I did a search on this site and found this article which basically leads one back to the attorney. There were many other threads. Just search for Bank POA. I'm glad you asked the question as this article stated the POA needs to be renewed every five years. Who knew?
https://www.agingcare.com/articles/what-to-do-when-bank-rejects-poa-178641.htm