How To Close Bank Account Of Deceased

Need to know how to close bank account of deceased person? After someone has died, there are many things that must be done. One of these responsibilities is to close out the bank accounts of the deceased. Generally, only the spouse, the executor of the estate, or the person's heir will be able to complete the following steps.

  1. Obtain a death certificate. You will need to have a copy of the person's death certificate in order to close out his or her bank accounts. A death certificate is generally obtained from the vital statistics office in the state or county where the person died. It can take several weeks to receive the death certificate and it is typically necessary in order to wrap up the person's affairs. A small fee is generally required to obtain a copy of the death certificate.
  2. Present the certificate to the bank. Once you have obtained a copy of the death certificate, you will need to take it to the bank in order to begin the process of closing the bank accounts.
  3. Complete the necessary paperwork. Each bank will have slightly different procedures, but you will need to complete some paperwork in order to close out the bank accounts and complete the procedure. Be sure to take a proper paperwork and forms of identification so that you will be able to prove your relation to the deceased.
  4. Distribute the funds. Typically the bank will write out a check to either the person's estate or to the beneficiary of the bank account. This should complete the process of closing the bank accounts of the deceased.