Safe Deposit Box Rental Forms for Wake
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FAQ
What's In Your Safe Deposit Box?Copy of your last will and testament.Deeds, titles and insurance papers for your house, car and other personal property.Birth and adoption certificates.Marriage and death certificates.Custody agreement and divorce decrees.Military service records.Passports.More items...?
Bank robbers have stolen contents of hundreds of safe deposit boxes at one time. Cash that is stored in safe deposit boxes is not insured by the FDIC. Coins, jewelry or other valuables should be insured by a private insurer as these are not covered by the FDIC, either.
Dual control: Two peopleusually a bank employee and the renterare required to open the box. In this way, no one person can ever open the box and remove the contents. Authorized signature: When the safe deposit account is opened, all persons authorized to access the box sign a signature card.
You may wonder if it's OK to put cash in a safe deposit box. Experts warn there are several reasons you shouldn't stash cash in a safe deposit box: If you need the money in an emergency, but the bank is closed, you're out of luck. The idle cash loses buying power over time due to the effects of inflation.
Safe deposit boxes often have more than one name listed as owner. When such assets are owned by two or more persons as Joint Tenants with a Right of Survivorship, Joint Tenants, JTWROS, or simply have the word or between their names, some very specific legal rules apply.
Every bank branch requires a signed signature card for each person (regardless of whether or not they have an account with the branch) who wants access to your safe deposit box. The people who attempt to access your box must sign their name before they enter the bank vault.