How to Close a Bank Account After Someone Dies

When someone dies, their bank accounts don't just close automatically. Someone needs to handle them — and the process depends on how the account was set up.

Who can close the account?

The person authorized to close accounts depends on the type of account:

• Joint accounts — The surviving account holder already has full access. The bank removes the deceased's name.
• Accounts with a payable-on-death (POD) beneficiary — The named beneficiary can claim the funds with a death certificate and ID.
• Individual accounts — Only the executor or administrator of the estate can access these. You'll need letters testamentary or letters of administration from the probate court.

What documents you'll need

Bring these to the bank (call ahead to confirm):

• Certified death certificate (not a photocopy)
• Your government-issued ID
• Letters testamentary or letters of administration (for individual accounts)
• The account number, if you have it

Step-by-step process

1. Call the bank first. Ask what they specifically require. Each bank has slightly different procedures.
2. Visit a branch in person. Most banks require an in-person visit for estate matters.
3. Bring your documents. The certified death certificate is non-negotiable.
4. Request a final statement. You'll need this for the estate accounting.
5. Close or transfer the account. Funds can be transferred to the estate account or distributed per the will.

How long it takes

If you have all the right documents, the bank can usually process the closure same-day. Getting those documents (especially letters testamentary) is the part that takes time — often 4-8 weeks after filing with the probate court.

What AtPeace does for you

AtPeace generates a personalized checklist for your situation, including which accounts to close and in what order. The AI guide can help you draft notification letters and understand what documents you need.