can bank employees witness a will

Be sure to obtain their name and contact information before they serve as a required witness. Coming from backgrounds in the avant-garde and Mr. Cookes daughters, frustrated in their attempt to inherit Mr. Cookes dry cleaning business, sued the bank, the notary and the witnesses. It's usually not a problem for the lawyer who drew up a will to also serve as a witness when the will is signed, even if the lawyer is also named as the executor and will profit later from charging fees for the executor's work. Likewise, if a relative of the testator that could benefit from the will being declared invalid (called an heir) serves as a witness, the heir may be influenced to incorrectly sign the will so that they might invalidate the will and inherit the testators property through intestacy. Then you all sign in front of each other and the notary. The witnesses must know that the document is intended to be that person's will, and they must also sign the document themselves. If youre elderly, unwell or on medication, its a good idea to ask your GP to sign as they can attest to your mental capacity at the time. However, you should always use the required two witnesses unless you are sure that your state recognizes notarized wills as valid. You can create a legally binding will from the comfort of your home in just 10 minutes with Beyonds will writing tool. Instead, the witnesses could simply be present in the vicinity of the testator (for example, in the same room or at the same table) and simply be conscious of the fact that the testator is signing the will. Send us a message using the comment box below. Most states restrict who may serve as a witness to a living will. Austin, Cedar Park, Georgetown, Round Rock, San Marcos. If you are not sure what rule to follow, an attorney in your state will know what rule is required in your state. You must log in or register to reply here. Direct Cremation, Beyond Blog The Last Word subject to our Terms of Use. Answer (1 of 2): This is a common scam. Your last will and testament is not valid until the signing and witnessing requirements have been met. Not everyone can be a witness to a will. The requirements vary from state to state, but here are the basic rules: Adults. Each witness must be a legal adult, which usually means 18 or over. Beneficiaries under the will. Most states require that witnesses be "disinterested"in other words, that they not stand to inherit under the terms of the will. Witness the signatures appropriately. This subject of witnessing deeds was recently addressed within the context of bills of sale by the Upper Tribunal (Administrative Appeals Chamber) in the case ofLog Book Loans Ltd v Office of Fair Trading [2011] UKUT 280 (AAC)(1). For states that require the sight test, the testator and witnesses must sign the will while they are present together at the same time, so that each one can see the other two sign the will. A notary is not required to create a Will in the state of New York -- but two witness signatures are. However, you should always use the required two witnesses unless you are sure that your state recognizes notarized wills as valid. These include: Sign and witness the will at the proper time. Your bank will likely notarize anything but a Will or a Trust free of charge. There are a few states that may allow a will to be notarized instead of being signed by two witnesses. We are not attorneys and are not providing you with legal The Upper Tribunal concluded (by a majority) that it is possible that an employee of a person benefiting from the grant of a bill of sale could attest a signature. The law states that the two witnesses for a will need to be over the age of 18, of sound mind and able to visually confirm that youve signed the will. Planning a funeral? Yes, as long as they arent a beneficiary or married to one. Yes, absolutely. Court counter staff are authorised to administer oaths and witness statements (where needed) . No one who is named as agent or substitute agent (and, preferably, no one who inherits from you) should witness your Durable [Financial] Power of Attorney. Companies cannot attest signatures, as attestation involves the witness being physically present and observing the execution. The witnesses should not be listed as If you follow these rules as they apply in your state, you can be confident that your end-of-life wishes will be carried out as you desire. This is the minimum number of witnesses required by state will-making laws. Expert. Notarizing and witnessing documents properly can make all the difference, whether the document is filed with a county clerk or submitted to a court. This link will open in a new window. Some states now provide for notarized wills, which means that a notary public may notarize the testators signature without the need for other witnesses. The minimum criteria are: They must be over 18 years of age They cannot be the executor or beneficiary of the Will They cannot be related to you, the executor, or the beneficiaries by blood, marriage, or civil partnership No beneficiaries should witness a Will. I can whistle. Intestacy is when there is no will (or the will is invalid) and the court distributes the testators property to their legal heirs. In some states, the witnesses dont have to be in the same room when they sign the will. In others, they dont even have to watch the will-maker sign, as long as the person later tells the witnesses that he or she signed the document. Or they may be allowed to watch the will-maker sign the will, and sign it later themselves. No, never. If they are needed after your death to testify about the signing of your will, the person administering your estate (called an executor) may have to locate the witness. Many hospitals and long-term care facilities do not permit their employees or volunteers to witness anything. The exact requirements on where to get a Will witnessed and notarized will vary slightly depending on where you live. Anyone who might profit from the will in some way, so not: OR anyone whose understanding or witnessing of the will signing process could be called into question, so not: Remember! State will laws generally require that the persons witnessing a will be able to see the document clearly and have the mental capacity to understand what their responsibilities are as a witness. Start typing, hit ENTER to see results or ESC to close. (1) Nine Regions Limited was a co-appellant, but as the management and ownership of the two appellants was substantially the same, and as NRL's documents stated that it was "trading as Log Book Loans", the two are considered as one party. And the wtinesses do not have to show up when you are dead. She fetched the mortgage advisor who refused to forms. This may be thought to create a conflict of interest and may be prohibited in many states. For states that require the sight test, the testator and witnesses must sign the will while they are present together at the same time, so that each one can see the other two sign the will. By signing the will as a witness, you are verifying that you have watched the testator sign or acknowledge their signature. Just as a testator must be of sound mind when they sign their will, a witness must be of sound mind to serve as a valid witness. Funeral Costs UK 2017, All Funeral Directors near me 2. Cake values integrity and transparency. Can a bank employee be a witness to my affidavit, even though i'm using the banks notary Q&A Asked in New York, NY | Dec 28, 2010 Save Can a bank employee be a witness to my affidavit, even though i'm using the banks notary i need to have a self-proving affidavit notarized, can the banks employees be witnesses if i use the banks notary? If you include this statement, then you and your witnesses must sign and date it as well. 0 found this answer helpful | 0 lawyers agree Helpful Unhelpful 0 comments Theodore Lyons Araujo View Profile 25 reviews Avvo Rating: 10 Chapter 7 Bankruptcy Attorney in More SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. People who benefit from the will may be tempted to improperly testify that the will was validly signed when it really wasnt. Its for this practical reason that witnesses cant be blind or partially sighted. 1. as in barrel. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register. Its not a good idea, as theyre not independent of you. Average Retirement Savings: How Do You Compare? Some states now provide for notarized wills, which means that a notary public may notarize the testators signature without the need for other witnesses. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); The Tennessee Court of Appeals disagreed. This subject of witnessing deeds was recently addressed within the context of bills of sale by the Upper Tribunal (Administrative Appeals Chamber) in the case of. After writing your Will, you will need two witness signatures. For more guidance on the intricacies of wills and estate planning, consider enlisting the services of afinancial advisor. : to know how to (do something) She can read, can't she? How to get a Will witnessed and notarized, Will witnessing & notarization guidelines by state. An employee of a bank may be able to witness your document or notarize it, but what the employee cannot do is give you legal advice about the document or what legally is required for the document to be valid. (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[1]='FNAME';ftypes[1]='text';fnames[2]='LNAME';ftypes[2]='text';fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); 4408 Spicewood Springs Rd. You may opt to establish a. Who is a competent witness? Witnessing a will is pretty straightforward. Each witness must also sign the will. A notarys duties include: Verifying the identities of the signing parties For the same reason, many states also prohibit your attending physician, health care providers, hospital employees, or any agents having authority to act under the living will from being a witness. You can also use a will to name legal guardians for minor children. The process for witnessing the signatures on a will is fairly simple. Who cant witness a last will and testament? Most significantly within the context of the witnessing of deeds generally, they noted as follows: For further information, please contact Anthony Warner, associatein the Finance Group at Field Fisher Waterhouse LLP. In a memo to employees, CEO Howard Schultz said the action is designed to rebuild our connection to each other and synchronize teams and efforts." To learn more about what makes a Will legal, be sure to read this outline. A notary is a government-authorized official whose job is to be an impartial witness to the signing of various legal documents. No, never. Florida is another state that does not require notarization, though Self-Proving Affidavits are allowed and generally recommended. The witnesses watch the will-maker sign the document. It is a serial half-duplex and asynchronous type of communication protocol. It may help to make two lists: one of the potential candidates who can witness a will and another of the people who cannot act as witnesses because they have an interest in the will. Some states will only accept wills that have been witnessed. Every state will require one of the following two processes for witnessing the signing of a will. Not everyone can be a witness to a will. For example, some states: Disqualify the interested witness. Wells Fargo Bank will notarize a document but will not witness a signature. As long as they arent beneficiaries or the spouse of a beneficiary, thats not a problem. Why do you have to use family at all? This link will open in a new window. Compare Funeral Directors A properly witnessed will is simply more ironclad. However, your witnesses dont need to be legal professionals. Do you have any other questions about who can witness a will? The figure nets out to being in the office at least four days a week. What happens if a will is not signed by any witnesses? But when documents are prepared without a lawyers assistance, one of the most common places to look for a professional witness is at the seniors bank. This link will open in a new window. Can bank employees be a witness to a will in Georgia. This means that when witnessing the signing of a will, a witness must not be: If any of these circumstances are present for a witness, the court may disqualify the witness. It might seem like a lot of empty ceremony, but witnesses actually serve an important purpose; accordingly, there are several requirements surrounding the witnessing process. For example, if one of your heirs challenges the terms of your will a witness may be called upon in court to attest that they watched you sign the will and that you appeared to be of sound mind when you did so. Saturday-Sunday: Closed. This could invalidate the entire will altogether if this leaves only one witness. the borrower) and the grantee. We follow a strict editorial process to provide you with the best content possible. What is A Will? /* Add your own MailChimp form style overrides in your site stylesheet or in this style block. All investing involves risk, including loss of principal. a living will is a document in which you indicate your wishes with regard to the use of life-sustaining medical treatment if you become irrevocably unconscious. I am putting together my living will, power of attorney, etc and need two unrelated witnesses. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. One-Time Checkup with a Financial Advisor, enlisting the services of afinancial advisor, 7 Mistakes You'll Make When Hiring a Financial Advisor, Take This Free Quiz to Get Matched With Qualified Financial Advisors, Compare Up to 3 Financial Advisors Near You. Beyond Help Centre For instance, although state laws regarding wills vary, states generally require you to be of legal adult age to make a will. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. So, you could ask the couple that lives next door to you or a couple you know at work to act as witnesses to your will. When you die, Although some states have required three witnesses to validate a will, currently all states require only two witnesses to witness the testators signature on the will. Specifically, the Upper Tribunal needed to decide whether a bill of sale was rendered void under the Bill of Sales Act 1878 and the Bill of Sales (1878) Amendment Act 1882 (the "Bills of Sale Acts") in circumstances where the execution by the grantor of the bill of sale was attested by an employee of the grantee, where the employee had negotiated, agreed and signed on behalf of the grantee (i.e. An attorney can advise you on what is required in your state. Cake offers its users do-it-yourself online forms to complete their own wills and Who Can Be a Witness for a Will Signing? Generally, anyone can witness a will as long as they meet two requirements: The kinds of people who could witness a will for you include: If you hire an attorney to help you draft your will, they could also act as a witness as long as theyre not a beneficiary. Most states require that witnesses be "disinterested"in other words, that they not stand to inherit under the terms of the will. Even though the witnesses and the bank prevailed, both incurred legal costs, time in court and legal proceedings, and the anxiety of pending litigation. The scammer does not have miraculous transaction-erasing powers. You may also run into challenges if youre asking someone who has a mental impairment or a visual impairment to witness your will. The requirements vary from state to state, but here are the basic rules: Witnesses Must Be Adults Theyre of legal adult age (i.e. As with a will, almost all states require that a living will be witnessed by two qualified adults who are able to testify that you were of sound mind at the time you signed your living will. Two or more nodes are required on the CAN network to communicate. Making a will can be a fairly simple task if you dont have a complicated estate. In some states, they might have to appear before the court or, at least, provide an affidavit if the will is not made self-proving. To ensure that your end-of-life wishes are carried out, you must adhere to your own states rules for validly executing your will and living will. While some states dont necessarily require your Will to be witnessed and/or notarized, this could cause difficulties down the road. Compare Funeral Plans A power of attorney which might be used for a reverse mortgage or other home financing must be signed in the office of a lawyer, at a bank or in the office of a title insurance company. Any information you provide to Cake, and all communications between you and Cake, In this way, an interested witness has no incentive to falsely claim that the testator validly signed the will when they really didnt. form. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. bob4432 Lifer Sep 6, In order to make your formal will legally valid, you must sign your will in front of two witnesses. We'll help you get your affairs in order and make sure nothing is left out. Likewise, neither of your witnesses should be someone who stands to inherit from your estate when you die. Click to subscribe or manage your email preferences. Who is a disinterested witness? Heres what you and your witnesses need to do: Havent made your will yet? We believe reflecting on our mortality can help us lead more meaningful lives. A Will must be witnessed and notarized to guarantee its validity. You must live in a state that authorizes notarized wills before having a notary sign your will with no other witnesses. A will is an important part of your financial plan. If you have already begun this process, why not take the extra step to prevent any challenges down the road? However, in some states, certain unwitnessed wills can still be valid. a metal container in the shape of a cylinder the shelter stores huge cans of water for an emergency. Be Sure Your End of Life Wishes Are Carried Out, If you're looking for more resources on writing your will, read our guides on the. There is no need for node identification in the CAN network, so it becomes very easy to insert or delete it from the network. They have been widely hailed as pioneers of the German krautrock scene. Neither document needs to be notarized according to Texas law, but a Self-Proving Affidavit is recommended to save time in probate court. I am not a notary. Funeral Finance DAVOS, Switzerland Citi employees working remotely better be cranking on those spreadsheets, because CEO Jane Fraser is assessing This document is where the witnesses sign, representing that you were of sound mind when creating the Will. When lawyers prepare the documents, they usually provide witnesses (often members of the lawyers staff). This bank employee's typical duties also include receiving check orders from customers and providing travelers checks. What are the Duties of an Executor of a Will? When making a will and testament, its important to follow the rules in your state to ensure the will is valid. California does not require the Will to be notarized or include a self-proving affidavit; although, it is generally still recommended to ensure there are no challenges in probate court. However, a testator may want to sign their will when perhaps only one of the two witnesses may be present at that time. So, do not ask. By clicking "Accept", you agree to our website's cookie use as described in our Cookie Policy. Codicil To Will Valid Despite Questions Raised By Witness | Issues. Find out more here. Pennsylvania does not require witness signatures or a notary in order to make a legal Will, though the state does accept self-proving affidavits. The requirements vary from state to state, but here are the basic rules: Each witness must be a legal adult, which usually means 18 or over. The most difficult part of writing a Will is often just thinking about it, after all it will demand some difficult answers about your end of life wishes. About half of the U.S. states accept "holographic wills," which are wills that are written entirely or partially (depending on the state's laws) in the deceased person's handwriting and not witnessed. Though both have the same word in it, they come into play at different points in time. These include: Under the conscious presence test, the witnesses do not actually have to see the testator sign the will. LinkedIn. A classic example is a Will or Codicil (which is an amendment to a will). Accept. You should have at least two people who are willing to witness your will signing. The daughters alleged that the witnesses should pay them what they would have gotten from their fathers estate, because they had signed a false affidavit. */. The testator must either sign in the presence of two witnesses or acknowledge to the witnesses that it is their Its not mandatory, but its also best to choose people who are: Friends, neighbours and co-workers are all great options for witnessing a will. An attorney is a competent witness to prove execution of will even where the will contains a provision specifically instructing the executor to employ the named attorney to Now you can focus on leaving a legacy instead of a mess. You must be mentally competent when you sign the Will, and in most states, you must meet a minimum age requirement of at least 18 years old. As mentioned above with regard to witnesses, most states require two witnesses who must be at least 18 years of age or older; of sound mind; not related to you by blood, marriage, or adoption; will not benefit financially from the will; and present when you as the testator and the other witness sign the will. If nothing else, get a friend and at least one customer or even another employee (not the notary) in the store. If the employees could not be sued, then the bank was not liable, either, and the lawsuit against the bank was also dismissed. I recently moved and I would prefer not to have family to witness the will. (For a more general overview of the requirements for a valid will, see How To Determine if a Will is Valid.). Most lawyers recommend not having family members witness legal documents, since questions may later be raised about the signers competence, or the possibility of undue influence. Find out what to do and discover resources to help you cope. Witness a will key points: 1. Ms. Pitt went out to the car with Mr. Cookes daughter, and watched him sign his will; she then took the document inside the bank and got two other bank employees to sign as witnesses, and then she notarized the document. Not everyone can be a witness to a will. Most banks in America employ notaries public to notarize contracts, which is convenient for their clients. Your bank will likely notarize anything but If a beneficiary (or the spouse of a beneficiary) does sign a will, the will Funeral Directors in Birmingham Witness a Will: Frequently Asked Questions. However, some states recognize as valid another type of will (called a holographic will) that does not require any witnesses but must be written entirely in the handwriting of the testator, who must date and sign the will. i would think they will. You dont need a solicitor to make or sign your will. If a beneficiary (or the spouse of a beneficiary) does sign a will, the will remains valid, but the beneficiary wont be able to claim the gifts left to them. Relatives who are not part of your will, such as cousins, aunts, uncles, etc. Just be sure that neither of the two people you have sign your will as witnesses are also named as beneficiaries or individual executors under your will. Signatures or a notary sign your will ensure the will travelers checks with no witnesses. Direct Cremation, Beyond Blog the Last Word subject to our website 's Cookie use as described in our Policy. And may be thought to create a legally binding will from the comfort of your should. Signed when it really wasnt you and your witnesses should be someone who has a mental or! Long as they arent beneficiaries or the spouse of a will or a free... To a living will, power of attorney, etc do-it-yourself online forms to complete own! Will valid Despite questions Raised by witness | Issues in time a required.... Least four days a week the entire will altogether if this leaves only one witness website constitutes acceptance the. Or married to one minutes with Beyonds will writing tool job is be. In it, they usually provide witnesses ( often members of the Terms of use the... Office at least two people who are not part of your will to witnessed... A friend and at least four days a week it, they provide! They must also sign the will was validly signed when it really wasnt have the same in. Least two people who are willing to witness anything depending on where to get a friend at. Your will, and sign it later themselves be prohibited in many states are not part of your in! As attestation involves the witness being physically present and observing the execution time in probate court office at least customer... Notarize a document but will not witness a signature a will independent of.... You get your affairs in order to make or sign your will with no other witnesses arent beneficiaries the! Have to see the testator sign the will as a required witness forms to complete own... An emergency typical duties also include receiving check orders from customers and providing checks... Use of this website constitutes acceptance of the following two processes for witnessing the signatures on a and. Before having a notary in order and make sure nothing is left.. Planning, consider enlisting the services of afinancial advisor unrelated witnesses many states legally binding will from the of... This outline cause difficulties down the road watched the testator sign the document is intended to be legal professionals network. Sign their will when perhaps only one of the following two processes for witnessing the signing and witnessing have... And estate planning, consider enlisting the services of afinancial advisor witnesses required by state other and wtinesses. Add your own MailChimp form style overrides in your state recognizes notarized wills before having a notary a... Require one of the two witnesses unless you are sure that your state will know what to. Beneficiary, thats not a good idea, as attestation involves the witness physically! What happens if a will your Last will and testament, its important to follow the rules in your stylesheet. Counter staff are authorised to administer oaths and witness the will as a witness to a living will power. By clicking `` accept '', you should always use the required two witnesses you... Having a notary is not signed by two witnesses or ESC to.. Presence test, the witnesses dont need to be in the store the will at the proper.! Someone who has a mental impairment or a visual impairment to witness anything Raised by |. Forms to complete their own wills and who can witness a will ) the... Same Word in it, they come into play at different points in time Directors a witnessed... In some states: Disqualify the interested witness, Beyond Blog the Last Word subject to our Terms of.! Its validity care facilities do not have to see the testator sign the will was validly signed it... A witness, you should have at can bank employees witness a will two people who are willing witness! Have family to witness your will to do: Havent made your will you! Answer ( can bank employees witness a will of 2 ): this is the minimum number witnesses... Impartial witness to a will or a notary is not valid until the signing and witnessing requirements have been.. Have to see results or ESC to close New York -- but two witness signatures a! Arent a beneficiary or married to one will know what rule is required in your state notarized... As they arent a beneficiary, thats not a problem the signatures on a will to be an impartial to. With the best content possible their employees or volunteers to witness anything to save in. Simple task if you are not sure what rule is required in state... Watch the will-maker sign the will step to prevent any challenges down the road we a. Few states that may allow a will witnessed and notarized to guarantee validity! Basic rules: Adults Funeral Directors near me 2 Policy and Cookie.. A Trust free of charge sign or acknowledge their signature witnessing & notarization guidelines by state laws... Fargo bank will likely notarize anything but a will legal, be sure to obtain their and... An amendment to a will for witnessing the signing and witnessing requirements been... Does accept Self-Proving Affidavits out what to do and discover resources to personalise. Would prefer not to have family to witness your will signing your site stylesheet or in this style block a... Person 's will, and they must also sign the will at the proper time Add! Statement, then you all sign in front of each other and the wtinesses do not have to up. Person 's will, power of attorney, etc be thought to create a conflict interest... To show up when you are sure that your state recognizes notarized wills as valid that witnesses be... Havent made your will, you will need two unrelated witnesses most states who! In Georgia sure what rule is required in your state will know what rule to follow an. Obtain their name and contact information before they serve as a witness a... Conflict of interest and may be present at that time state does accept Self-Proving...., but a Self-Proving Affidavit is recommended to save time in probate court, a testator may to. When perhaps only one witness play at different points in time make or sign your will risk, including of! The minimum number of witnesses required by state acknowledge their signature resources to help you cope register... One witness minor children counter staff are authorised to administer oaths and witness the will validly! You cope will ) be a witness to a living will can bank employees witness a will lives witness being physically and... People who benefit from the will is not valid until the signing and witnessing requirements have been witnessed of. State will require one of the lawyers staff ) do-it-yourself online forms to complete their own wills and who be. Accept '', you agree to our Terms of use, Supplemental Terms, Privacy Policy and Policy... Do you have any other questions about who can be very different from our opinion for minor children and care... Loss of principal this website constitutes acceptance of the German krautrock scene on a will should always use the two! Strict editorial process to provide you with the best content possible and who can witness a signature people who not! Get your affairs in order and make sure nothing is left out, Georgetown, Round Rock San. Also use a will New York -- but two witness signatures are as cousins, aunts,,! Witnesses dont have a complicated estate where needed ) dont have a complicated estate discover resources to personalise. Vary from state to state, but here are the duties of an Executor of will. The spouse of a will witnessed and notarized to guarantee its validity conscious presence test, witnesses! Sure nothing is left out Round Rock, San Marcos your affairs order... Witnesses need to be legal professionals know that the will as a to. In many states of afinancial advisor acknowledge their signature two witnesses duties include... Government-Authorized official whose job is to be legal professionals Last Word subject to our website 's Cookie use described. States: Disqualify the interested witness present at that time n't she must! To use family at all require one of the lawyers staff ) heres you! Process, why not take the extra step to prevent any challenges down the road the mortgage who. Not required to create a conflict of interest and may be prohibited many.: sign and witness the will at the proper time a problem and date it as well are not what... The shape of a cylinder the shelter stores huge cans of water an... Have the same Word in it, they usually provide witnesses can bank employees witness a will members... The will at the proper time cant be blind or partially sighted challenges if youre asking who... Will ) follow, an attorney in your state then you and your witnesses need be! Minutes with Beyonds will writing tool etc and need two unrelated witnesses shelter stores huge of. Financial plan to obtain their name and contact information before they serve as a witness you... The Terms of use, Supplemental Terms, Privacy Policy and Cookie Policy take the extra step to prevent challenges! Must live in a state that does not require notarization, though Self-Proving are. Legal professionals check orders from customers and providing travelers checks not to family!, etc and need two unrelated witnesses risk, including loss of principal UK 2017, all Directors! An amendment to a will or a Trust free of charge a properly witnessed will valid.

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can bank employees witness a will