Huf karta widow

FATHER -- EXPIRED MOTHER-- WIDOW -- ADULT DAUGHTER1-- MARRIED -- ADULT DAUGHTER 2-- EXPIRED SON -- MARRIED ---------- ADULT WHO CAN BE KARTA IN THIS FAMILY ? WE HAVE MADE MOTHER (WIDOW) WOMAN AS KARTA , BANK IS NOT OPENING ACCOUNT STATING A REASON A MALE IN FAMILY NEEDS TO BE KARTA??? WE HAS FAMILY HAS RIGHT TO DECIDE A KARTA AMONG US ? PLEASE SUGGEST AND HELP ME IN THIS MATTER?