Closing a Bank Account After a Death
Closing a bank account after a death usually starts by notifying the bank and providing a certified copy of the death certificate. USAGov advises notifying banks, credit card companies and other financial organizations, and says most agencies ask for certified copies of the death certificate.
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What banks commonly ask for
The Alameda County Superior Court (California) says that for an account held in joint tenancy you take a certified death certificate to the bank, along with a check for the account balance or the savings passbook. For accounts in the deceased person's name alone, banks often ask for court-issued letters showing who may act for the estate, according to the Ventura County Superior Court. Requirements vary by bank and state.
Deposit insurance note
The FDIC says that for six months after an owner's death it insures that person's accounts as if they were still alive, unless the grace period would reduce coverage. After that, coverage can change if accounts are not restructured.
Joint and beneficiary accounts
California's Courts Self-Help Guide notes bank accounts can pass directly to a named person through a beneficiary designation, often without probate.
Frequently asked questions
Do I need a certified copy or will a photocopy work?
Banks usually ask for certified copies. Confirm with your bank.
Can I close the account myself?
It depends on how the account was titled and what the bank requires. Ask the bank and, if needed, a lawyer.
Should I notify the bank right away?
USAGov lists banks among the places to notify. Timing rules vary.
Sources
US Records is a private company and is not a government agency. Government agencies issue certified records; we help you order them.
Written By
US Records TeamThe US Records Team writes and reviews guides on birth, death, marriage and divorce certificates, using state statutes, agency instructions and court records as sources.
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