IF a savings account is not covered in trust does it go to next of kin?
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If the savings account is in the name of more than 1 person, with "right of survivorship", it will go to the other person on the account. If not, it goes to the person (or people) named in the account holder's will. If there is no will, it goes to the next of kin. Who is next of kin will be determined by your state's intestacy laws.