Please consider waiting until the beneficiary shows up before you do anything.
Your bank does have a legal responsbility to file 1099's that allocate the interest between the decedent and the POD beneficiary, but that can be done at year end. Your bank is not in a position to open an account or do the necessary information reporting without the beneficiary's participation; e.g. you need CIP information and a TIN certification.
Not to suggest that it is your responsibility to track down the beneficiary, but you could choose to contact the beneficiary and ask him or her to come in. If the beneficiary is not known to you the personal representative for the decdent's estate might be able to put you in touch.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.