Your parents can set up a new account in their names (not the trust) with you as POA and you as the beneficiary using payable upon death. You, with your power of attorney can access the account while they are alive and upon both of their deaths you will receive the funds. Accounts with payable upon death beneficiaries do not go through probate. I have been a banker for 32 years. In my opinion all personal bank accounts should have payable on death beneficiaries.
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