My mom just closed on her condo. She already has investments that she
has (unfortunately) been selling for living expenses. Because of a
generous unlimited LTC policy, the cost of living in her ALF is modest.
The investment sales will cease and the proceeds of the condo sale will
remain mostly as cash, serving as a stable source to supplement her
social security income. I'll set up a routine scheduled transfer from
the savings to checking.

I was going to open an account at EmigrantDirect but need to have 3
owners: my mom, myself, and my brother.  That's how we titled the
checking account that will serve as the funding account. EmigrantDirect
permits only 2 owners, as does INGDirect. Does anyone know of a similar
online savings bank that permits 3 owners? I'm looking for simplicity,
and online management is a requirement.

Yes, I'll take some of the excess cash and build CD ladders, etc. I'm
not looking for investment advice, just a referral to a financial
institution that fits the need I describe.

Thanks in advance.
--
Chris Cowles
Gainesville, FL

That's the purpose of having three owners on the account? Or even two
owners? How about having just your mother as owner and having one or
both of you and your brother as joint trustees?