According to Massachusetts law:
For a depositor who is a Massachusetts resident at the time of death - If the deposit does not exceed $10,000 and there has been no demand for payment from a duly appointed executor or administrator, payment may be made,after the expiration of 30 days from the death of such depositor, to the surviving spouse of deceased depositor or if there be no surviving spouse, to the next of kin of such deceased upon presentation of a copy of the decedent’s death certificate. Payments made under authority of any provision of this section shall discharge the liability of the bank or federally chartered bank to all persons to the extent of such payments.
Our questions are:
Is the Waiver of Heir form still necessary?
What if the depositor was a resident of NY?
Thanks for your help.