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You are correct. Your sister with the POA should be able to deposit a check made payable to your mother directly into your mother's account. Many banks will deposit this check without an endorsement. Some require an endorsement. For these your sister's POA should be adequate. There are always some banks and some branches of many banks who get their own ideas about their internal practices. It is possible that your sister has a difficult bank. She can give you the name of the bank and the branch she uses. You can contact them and find out directly the bank's policies. I doubt this will solve your problem. The main problems is your relationship with your sister. I suggest you contact a counselor and work on that relationship. Success there will probably please your mother and other family members much more than your monthly support.

It's really not a matter of who the primary borrower is but how the title of Property is done. The law will use the title to determine successor interests.