Q: Can a non executor close the bank account of someone who is deceased?
A: If the account had a joint tenant with right of survivorship that was not a Totten Trust or a POD or a designated beneficiary, then the funds pass to the designated beneficiary outside of probate. The executor has very little to do with it, and the bank should only require the beneficiary to produce a death certificate and proof of their identity. So, yes, a non-executor who is qualified can close an appropriately titled bank account of a deceased person. If you are uncertain as to whether those conditions apply, and particularly if you are the executor or the most qualified person to become the executor, you should set top a consult with a lawyer who covers probate.
Ross Cameron Hart agrees with this answer
A: Mr. Sternberg is correct - if the account had joint ownership or survivorship then the individual named - even if also the executor - could close it. Also, if the estate was below $50,000 it falls under the 'small estate act' provisions of Virginia law and no formal administration (court papers) are needed.
There is a provision that money in a joint account can be reclaimed by an executor if certain conditions are present (typically more debts than other assets being available to cover them). That provision is very technical and a lawyer should assist.
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