We DO require joint control in conservator estates $25,000 and greater, and for Trustee’s bonds. Procedure: The fiduciary establishes two bank accounts, one that is a working account and is not subject to the two-signature requirement; the other is subject to the two-signature withdrawal requirement. The fiduciary initially funds the working account with enough money to cover the reasonable and anticipated expenses of the ward over the course of one year. All other assets are placed in the “restricted” account and/or in a safe deposit box subject to the joint control agreement. If the working account is properly funded, the attorney should only need to be involved once per year in authorizing the refunding of the working account. There are some exceptions to the rule requiring joint control.