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i work at a bank and disability is usually meaning ur mental capacity to understand what you need and what you need for the other person. If you go to the bank with whomever you choose to be your POA you should not have a problem. And it require that the POA him/her self is not disabled i.e. mental capacity not the person who owns the said accounts etc. as long as the POA that you choose has valid ID then there should not be a problem