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I hear about hidden bank accounts that seniors or POA may have. What are they and how does one discover them?

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As POA I was able to have the bank Mom went to bring up all her accts they had with her. That included her CDs. You as a healthcare proxy can do nothing. The only way you may find out any financial info is when Mom passes. Then as a beneficiary or an Executor you can ask for an accting of the POAs spending.
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My ILs had a heck of a time when her brother passed, he had accounts at banks all over our town! They looked through his mail to find statements, and even took him to many banks ( before he passed) to see if he had any. Also those "unclaimed" records that are posted yearly. Good luck!!
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Google "How to find hidden assets," D.
Ask your bank officer how to do this as well.
You tube has whole videos on "How to find hidden bank accounts".
Really!
The internet is your friend.
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If you search "How to find hidden bank accounts" a wealth of info comes up. Everything from lawyer blogs to YouTube "how to videos" to articles, etc.
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You use a forensic accountant.
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