We have a customer who recently died. She had 2 accounts in trust for her daughter. The daughter came in to claim the funds. She had 2 bank checks payable to her deceased mother which were issued by us for a total amount of $7000. Can we take the checks and issue the daughter a check payable to herself because it is under the $10,000 and have her sign an affidavit of relationship form?

The rules regarding paying out amounts under $10,000 only mention deposit accounts.

Title 20 Pa.C.S.A. Decedents, Estates and Fiduciaries (Refs & Annos)
Chapter 31. Dispositions Independent of Letters; Family Exemption; Probate of Wills and Grant of Letters
Subchapter A. Dispositions Independent of Letters
§ 3101. Payments to family and funeral directors

(b) Deposit account.--Any bank, savings association, savings and loan association, building and loan association,
credit union or other savings organization, at any time after the death of a depositor, member or certificate holder, shall
pay the amount on deposit or represented by the certificate, when the total standing to the credit of the decedent in that
institution does not exceed $10,000, to the spouse, any child, the father or mother or any sister or brother (preference
being given in the order named) of the deceased depositor, member or certificate holder, provided that a receipted
funeral bill or an affidavit, executed by a licensed funeral director which sets forth that satisfactory arrangements for
payment of funeral services have been made, is presented. Any bank, association, credit union or other savings organization
making such a payment shall be released to the same extent as if payment had been made to a duly appointed
personal representative of the decedent and it shall not be required to see to the application thereof. Any
person to whom payment is made shall be answerable therefor to anyone prejudiced by an improper distribution.