Just briefly, for anyone following this thread:
The customer must be the sole owner of the account and must have died intestate (without a will).
There are particular orders of payment on account up to $10,000 as opposed to account with over $10,000. The bank can only pay funeral homes/medical expenses after 90 days has passed and with itemizations of expenses, etc.
For complete details, review the above section as well as Article 8 pertaining to multiple-party accounts.
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour