Only the account holder of the POD account will have initial access to the account.
While they are alive, the beneficiaries named by the owner to receive the monies left in the account after the owner dies will not have access to nor control over the POD account. They cannot make deductions, additions nor even receive account status in any form.
In fact, some POD beneficiaries do not even know that they were named until we notify them!
Also, the POD account owner can change the beneficiaries at any time.