“Patricia’s original co-signer authority on that secondary account was never revoked after Richard died,” Donald said flatly.

“If her name’s still on their legacy file, she can ask for account statements and put in transfer orders.”

“Can she get at Caleb’s trust fund through that secondary link?” I asked, my fingers tightening on my phone.

“The trust itself has legal protection,” Donald said.

“But if she shows up at a teller window as a surviving co-signer on the master file, a careless employee could give her access to linked sub-accounts.”

Rain splashed over the edge of the concrete bench and soaked the hem of my pants.