The judge has discretion to deal with the will. Lynne. Doing so is giving away money that belongs to other people. The estate is valued under 20000 dollars so we are not applying for probate. I charge $400 for that.Lynne. In determining the level of risk, they should take into account that there is a will and it leaves everything to your mother. Neither happened. Well, I posted the above,on July 16tth along with the other person who also had issues with Royal bank on July 8th. The lawyer handling his mother's estate wants to write the cheque to my name with Executor of the Estate of (my husbands name). Thanks Lynne! I've heard and seen horror stories from every bank and credit union.Note that I'm not talking about the trust company part of the banks. They refuse to transfer the assets in those account over to the estate account until they receive the probated will. Your mother's money wasn't safe because your brother is a crook. Getting the will to Probate is going to take a bit of time. Are you asking why you have to get probate (aka Certificate of Appointment)?Lynne. Will taxes apply to your estate in Canada? Should I see if the back will do so as it did previously as it knows me or just go to set up a estate account?Thank you for your feedback. Estate Plan: A written document that outlines an individual's strategy for the disposition and administration of their property at their death, incapacity or total disability. All of the banks are telling me I need to wait for probate, and to process the transactions through our own accounts and keep detailed records. Why on earth do people try so darn hard to avoid probate? The financial obligations of an estate do not "come to" an executor personally. investments of 25k held at multiple institutions), is it right for the bank to request probate for the operation of the estate account? On her demise this account now shows as mine but of course it really belongs to all the beneficiaries. The bank will simply remove the parent's name from the account upon receiving proof of death, leaving the surviving account holder with full access to and legal ownership of the account. The bank had a copy of the will and death certificate .. now what do I do with these cheques I recently got? We went to a lawyer to arrange probate for my Aunt's Estate, and were planning to go to a bank to set up an estate bank account. Since I am sole beneficiary and will receive the cheques to his estate, how do I set up the estate bank account. Can it be deposited into this account. What is your question? I also used the C$ account to pay out the interim inheritances last year. You don't need probate to operate an estate account.Lynne, I have been named as Liquidator of my ex-husband's estate. I now realize I should not have closed it as we have to do taxes next year. All of her finances had us listed as 50/50 beneficiaries and have been paid out to us, including her bank account of 24000. The mistake is just as much yours, as a person under a POA instructing them to do something you weren't allowed to do in the first place.I know this probably isn't the answer you wanted, but that's how I see it.Lynne, Hi Lynne. Ever.The executor must wait along with everyone else for the estate to be wound up to get his or her inheritance.Either you are mistaken about the financial obligations of an executor, or I'm reading your question incorrectly. I think I have been reasonable, but am now also very unsatisfied by the response by the ombudsman's office and told them that when they called yesterday to 'loop back' on my complaint. Her will states two executors joint. My recently deceased mother had create a trust through Wood Gundy for my daughter to help her through university. Her girlfriend/partner of 30 years passed away. However this has affected how the tax slips have been filled in. How can I get them to allow me to do this. I opened an estate bank account in BC where I live. As a result, few executors know, relying on the issued (or not-issued!) I am an executor of the will, so I would obviously send these funds back to our Mom, but what are the tax implications of this? My mother's partner has 3 sisters and a brother whom her partner didn't get along with and didn't have much to do with them. I was initially executor and stepped down due to personal reasons. Hi Lynne. If the house can sell at a higher price after repairs and restoration is there a duty to the beneficiaries to wait until it's repaired before selling? You are probably right about that. There is still estate activities going through her bank account and I recently switched her mortgage company. It's under $75,000. I hope that things weren't as loosely organized as your letter suggests. I seem to have a combined bank estate/tax problem. I just need that cheque to go in there. Estate accounts are 'prepared by the estate trustee'. You don't have to wait for anything but the cheque to clear. The probate is their indemnity against the deceased's funds to the wrong person. Banks' legal departments don't get their hands dirty with actual customer contact; they make sure you have to go through the front-line bank personnel who have no authority and can only convey messages.Am I frustrated? Hello Lynne,My mother passed away in February and I am a co-executor along with my brother. If you are the executor, it's up to you to decide whether you want to take the personal risk of releasing money. So, my question is -- where do I go from here? I don;t know what is happening in this particular estate that might make the executor think that. It does not include joint accounts in which the other party is still alive. I fear they are aware we will be transferring all the money to another bank and that is the hold up. On the other hand, if you stepped down properly, who became the executor in your place? I know taxes will need to be paid next year. Any recourse with these morons? Use any other estate funds you have been able to gather, such as the CPP death benefit or the sale of household contents. Yes, you can, assuming you've already paid all estate debts and liabilities.Lynne. You then take the drafts and deposit them into the estate account. Can we open an estate bank account if we did not probate and are not the Executor? What's the easiest way to cash it. Appreciate your comments, Ed, Ed, your note rings alarm bells for me. He has suffered a stroke and is slowly recovering but very difficult to communicate with him. An alternative might be to purchase bank drafts rather than cheques. Or, if the primary account holder of your joint bank account has recently passed away, we can assist you in determining your entitlement, if any, to the account assets. The bank has frozen any access to these accounts until a declaration form is received at the branch for me too sign. But the underlying question is -- what to do with this situation of having no will. CIBC are certainly entitled to require my ID as sole trustee. my father passed away and only had $960, which was held in trust by an organization. As of now he has 2000.00 in the estate account and I have a death benefit cheque to deposit. Contact the financial institution for more information. If you have provided a notarial copy of the will and a notarial copy of the death certificate, that should be enough for the bank to establish that you are the executor. She might have received wrong advice from a lawyer or from a banker. Please go ahead and post it. An Estate account is a different kind of account - it is a new account opened after someone has passed away, into which the Executor deposits the deceased person's money, from which the Executor pays the deceased person's debts and bills, and from which the Executor ultimately distributes funds to . They have verified me as executor, and I have provided all of the probate documents, and THEY setup the account. I have seen copies of the draft and the amount in the Estate account that was left in March, so I know this is the last big payment left. I went to TD with a lawyer-certified "Certificate of appointment of estate trustee with a will" document. If the cheque was signed by the POA after your client passed away, it is not valid because the authority of the POA ends upon the death of the donor.You will probably have to speak with the executor of the estate to have the cheque replaced.Lynne. Should we be concerned? This is because a grant of probate is an order of the court that indemnifies everyone who follows it. You will find forms for transferring a vehicle after the death of the owner. Absolutely unacceptable.You said that "she" sent funds from "her" bank account so I assume that is his wife. I was under the impression from my mother's lawyer who handed me notarial copies of her will that that document gave me the legal right to proceed and get any bank accounts changed from her name individually to "The Estate of.." There is real estate and rental properties involved, with rent payments coming in and on-going expenses to be paid on a monthly basis. Therefore she can open the account, receive funds on behalf of the estate, pay bills etc all before she gets the probate.Lynne. Thanks so much for your prompt and informative response. Before the probate, I met with the bank stating they would set up an estate account, but it came to my understanding when the probate was finished they did not make an estate account yet. So with Mom's money and the estate cheque it would be around $5,000. I don't want to put any money through my personal bank account as I want to be able to keep organized records for when I do the final payout. Do I have a case? Once the letter of probate has been granted and presented to the bank where the estate account has been set up, does the bank have any further right to "approve" payments coming out of the estate account. The beneficiaries are prepared to put some money into the pot to cover the probate costs and other debts until I am named estate trustee and until which time we can sell the house and assets. I am not the executor, a relative who is a C.A. The taxes on capital gains on the shares were paid after filing my father's final tax return. Several expenses were incurred and paid from my own pocket while waiting for the probate to be granted. Hello. He had a will and I am his sole beneficiary. Take the funeral bill to the bank where your uncle had his funds. By the way, I checked out your site and it's really unique and interesting.Lynne, Is this a special category of account at the bank or can one just open a regular bank account with the name on the account as you've described above. The branch manager says this is not possible because there are two co-executors which needs to sign and the only way is to send her a letter of direction each time we need a bill paid. Sometimes not applying to administer the estate is the best strategy.Lynne. HiMy mom past away.There was no will and no court ordered executor.I payed for the funeral as her son because someone had too.I do not want to be executor as my mother had nothing so its not worth the trouble.I will let the government deal with my moms affairs..My question is the funeral home gave me a form to apply for cpp death benifit and said to me that it will help cover costs of the funeral.I payed in full 7000 for funeral and received a cheque from government for 2000 but its not in my name its in the name of my mothers estate.How do i get the cheque put in my name as there is no will or executor..Or do I just throw cheque out and suck up the the 7000 funeral bill.Any help would be appreciated.ThanksRon, The government isn't going to deal with your mom's affairs. In her will, all three adult children are both equal executors and beneficiaries. Other things might also flow through that estate account, such as the CPP death benefit. I can completely sympathize with your situation because I have my own ongoing battles with banks' legal departments on my client files.Whether or not the people at the legal department can read the signatures, the judge of the probate court could, and did. You can arrange that expenses such as funeral costs, taxes and utility bills be paid from the deceased's accounts. I would suggest opening an estate account. Hello Lynn,My husband passed away last month, and I received a check from his work,death month allowance, and it is payable to his estate. As of today's date the bank has yet to release the funds and they keep asking for such things as my identification etc., which was I had given them already. Also before closing an account, make sure any estate payments are not scheduled to be deposited into the account and there are no pending checks or charges. My husband is the executor of his fathers account. Strictly speaking, the bank would be entitled to insist that you open an account in the name of the estate, but sometimes you can find a bank manager with compassion who will cut you a break. Hello Lynn,Is an executor allowed to pay expenses out of the estate account prior to probate being granted? My mom's estate is about $325,000 cash, which is being managed by Wood Gundy. That sounds wrong to me. My question is does the bank have to wait for the probate to go through before selling the investments? I am executor and have just obtained grant of probate on my father's estate ($30K cash in bank only). If the person you're dealing with cannot do as you ask, try talking to the branch manager. When I sold her house after she went into a nursing home, I invested the money in an Empire Life segregated fund contract as her financial advisor suggested. Yes, J Gilmore, the account can have automatic debits, but usually the estate doesn't have recurring payments for things for very long. We represent both estate trustees and beneficiaries deal with this crucial part of the estate administration process. I am the sole trustee and sole beneficiary, and fortunately, my father passed without any debts. Safe Deposit Boxes You will need the key to any safe deposit box so you can list the contents and access any important documents it may contain. I don't know of any law that prevents a bank from rejecting any particular ATM deposit. I suspect what they are talking about is that certain beneficiaries, such as spouses, usually have 6 months to make a claim against an estate, so executors usually wait out that time period. They are the ones trying to follow the law. Will i need a letter of administration to open an estate account or will my bank let me sign a letter of indemnity? I was told by a lawyer that since the death happened in Quebec (where he was living), that I do not have to put the money through probate in BC, No, you should not need probate if the estate was handled in Quebec. I am in a similar situation with no will for my deceased father. Is it not sufficient I show it to them?Thanks, I don't know what the HELL is going on with banks these days. You have not just a right to see the paperwork but it is your responsibility to straighten all of this out.Definitely use some of the money to pay bills. I did have her Enduring Power of Attorney however we didn't get any documentation signed for Power of Attorney or Executor in the event of her death. There are 5 of us siblings and my 4 siblings have all agreed that I would take care of Mom's account. I have all the receipts and this will be documented in the final accounting but I realize this may not entirely be legal. Financial institution (Questrade) refuses to do so and claims this is against the law (True?). If it is simply her account, then you need to close it and open an estate account in your name as administrator. To open an estate account, you need to go to the bank and request that they open an estate account. I was advised around that time by the branch manager that an account estate should be opened by the first week of August.It is now August 8 and there is still no estate account. Please advise. If anyone goes to jail or pays a fine or whatever else the fallout might be, again, that's you, not the bank. This gets more frustrating by the day as I hear more and more stories of banks requiring random and irrelevant paperwork for estates.If they are being obstructive they obviously don't want your business so why not take it elsewhere. Otherwise, this could end up being worked out with lawyers for the bank, which in my experience is like hitting your head repeatedly on a brick wall.Lynne. I hope other parents read your story because it shows just how careful you have to be when appointing your own kids. Hi Lynne, If the executor is also the beneficiary do they get access to the funds right away since the financial obligation will come to them regardless? My mother died in Feb 2017 and her account was at RBC. it's a small cheque and likely the only one going to be issued to the estate. It should list there what paperwork they need. Death benefits are administered by the federal government. Stop letting them tell you things they have no right to decide. Yes, you have ALL the rights. TD bank says it can take "two, three sometimes even six months" to set up an Estate Account for me. TD won't cash the cheque, saying it needs to go into an estate account. Start Schedule A by plugging in the grand total from the final Inventory of Assets into Schedule A. If the account is closed, you have to open a new one, as you have a legal obligation to deposit them and use them to pay any outstanding debts of the estate.Lynne. You're in charge of the account, not them. I don't need the money but want this to be resolved. Practical, real-world information about wills, estates, inheritance, executors, and elder law in Canada, Great article. Because these accounts are assets of the estate, you will have to get probate to distribute them.Lynne. While I find this admirable in spirit, I am concerned as an executor whether executors can in fact make gifts that are not specifically covered in the will, especially as there are other residual beneficiaries involved. I paid the expenses (probate fees etc) personally as I was not allowed access to the funds. Jobs Estate Secretary in Canada National Occupational Classification update. My question is this cheque can ONLY be deposited into the estate account( we still have one set up) and not a personal account correct?Thank you so much. Hi Bob,I would be very surprised if the bank did not allow you to sign a letter of indemnity under the circumstances. Please advise, No, you don't have to wait for probate. I have some Estate litigation lawyers names but want to know if I can realistically get her to replace that cheque so I can have my money. Lynne. No, I don't think you can deposit it to your personal account or cash it. One employee actually told the two executors to deposit into the account my mother in law held joint with the one vs opening a new one. A sizable amount ended up here. You have the will, so you can show your appointment as executor.Lynne. My husband passed away recently, I am the sole beneficiary and executor of all accounts, TFSA, GIC's. Waste of time.It takes sometimes up to a year or more to probate a Will, but bills need to be paid before that. So i'm very confused. The other is that a judge figures it out for you, which of course means legal fees to be paid.Lynne. I'm frustrated just reading your note; I can just imagine how frustrated you must be. Your summary here seems to say that you've really wrapped up everything except for that final tax bill, so there is no reason for you to have two accounts open anymore.As for resistance from the bank, there shouldn't be any. You have to remember that although the executor has an obligation to look after the house, the bank does not. My mother learned the hard way that her money was not as 'safe' in the banks as she thought. Check the motor vehicles registry web page in your province. The house just had a major fire and two of the executors want to sell the house as is (with the fire damage), settle with the insurance company and distribute the settlement proceeds as part of the estate. Mum's UK state pension was overpaid by 1 week, having finally received notice of the amount, I now have to reimburse that myself because RBC refuses. Her authority to deal with estate assets comes from the will itself, not the probate. If a CRA refund is the only asset in the estate, talk to the bank and ask if probate is really necessary under the circumstances. Do I just carry on as executor of the will or should I be administrator? I don't know who works at the legal departments for banks, but they seem to know absolutely squat about estate paperwork. I want to ask my question to the bank but can I get your consent first? I also wanted to be sure her remaining bills were paid (less than 1K).In July I received a notice from one company that the account had been sent to a collection agency. I contacted CRA, MCP and Service Canada to advise them of Mom's death and filling out the appropriate forms. If Empire Life insists on issuing a cheque to the estate, are they at all obliged to reimburse me for the probate fees I will have to pay on the money (300K) because they made a mistake in allowing the account to be set up that way? Thanks in advance for your input. Can the Courts force her to replace the lost bank draft? It's 2500.00. I am the executor or the estate and the sole beneficiary of the will. Do I need to open up an estate account to transfer the money to myself. The problem with joint accounts between parents and kids is that the banks are really inconsistent in their treatment of them. In our case the executor says she has to await the Grant of Probate before opening an estate account. If it is only bank policy and not law, however, I am going to protest this, as my brother was laid off a while back and could really use his share of the funds now. You can't just add your name to an existing account, as that would suggest that your sister is alive and you two are joint owners, which obviously cannot be the case.This is the only thing that makes sense to me in the context of your question. The last bank draft amount is large of course but way under 100K as in total that's approximately what each would get after taxes and expenses. Can my mother continue to live in the house or does she have to move? Have I waited long enough and should I get a lawyer and start litigation including the passing of the accounts? What is the harm of just dividing the money between the two of us and paying the last few estate bills from our own accounts? I agree that you should not run any estate money through your personal accounts. The money belongs in his estate, which has to be used to pay off any debts or taxes he might owe. According to law, that was his wish. None of that is true and I seriously have to wonder if banks have anyone working there who has any idea what is going on. An estate account makes it easy for the executor to endorse and deposit these payments. Can she claim the whole monthly amount for the past two years on our moms estate who recently passed with severe dementia? Some are told they need the original will, many are told they have to get probate first, and some are told they need the consent of beneficiaries. Once the funeral arrangements have been made and all interested parties informed of the death, one of the first things the executor must do is deal with the bank accounts of the deceased: Finding out what banks, credit card companies, and other financial institutions the deceased dealt with, notifying them that you are the executor, and determining the details of assets in all accounts. Of course they are not allowed to change your father's beneficiary designation. Just recently she sent everyone $50,000.00 cheques, from her bank account, so we could get some of the proceeds now rather waiting the 4 years.An Executor depositing Estate money into there own personal account just doesn't seem right! My sister now refuses to sign a bond of indemnity to the bank to have it replaced even though I went as far as convincing the bank to put my name on the bond too, which they don't have to. The other financial company with all the investments left, did not require probate and it was a significant sum. Had she appointed someone honest, this wouldn't have happened, but I'm sure she had no reason not to trust him. There are only two cheques to deposit and she never paid taxes, only received refunds due to low income. One way to handle this is to have a separate bank account opened after the person's death, which is referred to as an estate account. I doubt you want the estate you're working on to be that case, so you are acting properly. It is not unusual at all for a bank to insist on having a grant of probate before releasing funds. She has no real assets. Is there a time limit on how long an estate account can stay open? Nobody cares whether the legal department people can read them. No, there is no time limit specified anywhere. Which we can't do until we pay estate tax. She is also the executor, which means that ultimately she is the one who will take responsibility for the payment of the funds.So, what is their risk? This is what the law says you are supposed to do. They told me to open an estate account.he doesn't have any assets nor investment, is it necessary to open an estate account? is there any legislation preventing them from doing so? The bank said if I get a letter from the lawyer saying that the application is in the process that I can open an estate account but will only be able to deposit, no withdrawals. Hi Braeby,Who on earth are the people telling you that assets are in or out of the estate? All the risk of the account falls on the executor, not on the bank. Hi Linda,The cheque should be written to you as executor, as the lawyer has suggested. Lynne. There will be no other transactions. Will I have to fly to that province to sign the cheques or is there something that is sent to the bank to release the cheques with only one signature? Is it really the case that I can't get this information if the PEOPLE aren't available? As there was only cash in his estate I did not set up an estate account - the death benefit cheque was deposited to his account. My question is:What is the best method of paying and having proof that the payment was given to beneficiary? You'll have to make sure the whole story is told to the court in your application for probate. It must be a policy of the particular bank.Lynne. I know this is an old topic, but I have a question. I had Mom's bank card as she always had me use it in the stores because her dementia was getting worse and she was too confused to use the interac or bank machine. Hello Lynn,I'm setting up an estate account for my mother. Given that the amount of funds in question is substantial, I wouldn't be surprised if they tell you they want probate.The bank might give your mother a break on this requirement, especially if she continues to keep all of her investments and accounts with them.Lynne. The strategy is usually accomplished through the writing of a Will and establishing Powers of Attorney and similar documents. This sounds like an error to me, so you might consider contacting the manager of customer service at the bank and showing him/her a copy of the will, and asking that the account be properly set up.Lynne. What about interest, death, separation/divorce etc.2 - He has advised us it will take 4 years before money can be distributed since Canada and the Ontario Ministry of Finance have a 4 year window to assess/reassess estates. I don't know what you've got in mind when you mention recourse. A will cannot name you "or" your husband as executors. Probate was approved in August and our attorney asked the bank to surrender all funds to their office in my name. To open any bank or investment account, you'll need a taxpayer ID number for the estate, which is itself a taxpayer. She was living with me and we have a joint bank account. Lynne. Do I still need to open up an estate account for tax reasons or other? The duty of the executors is to maximize the estate as best they can. Bank Accounts Notify the bank and identify yourself as the executor. My mother passed away in April, and I met with her bank on April 26 primarily to be sure no further deposits were made. I am the beneficiary to the residual. I am not happy with RBC at all. HI Lynn, My case is very complicated,it started with the land my mum bought 5 acres of land in Fiji and she got her first cousin Vana to handle things to sell the land which mum got many offers even for $450,000.00 but mum trusted her daughter-in-laws family the lawyer she hired and her cousin in Fiji.when our beloved mother passed away notary Sublock Sublock never even got mum to sigh her Will even though we paid $170 fee for that one home visit Mr.Sublock refused to help us and we sent mum's old Will which was Notarized and the Fiji Courts refused to accept it and my dad was next of kin now they said Vana and fiji lawyer Ulamila Tuipuku said that my dad needs to do a Probate and I sent $3,500 for court/lawyer/probate and months down the road Vana and Ulamila said that the court won't accept the Probate that they wanted her in my Dad's WIll which he "WE HAD A DEAD LINE OR LOSE THE LAND " we said that was crazy and we went through with that and so so and we went through Mr. Sablock again because he had the history regarding the land and my mum's information etc.My dad wanted to sell the land because there was squatters on the land and two churches was already built on land without permission and you wonder who was minding the place.When I made an offer to a performance on the land Vana was so upset she was yelling and I said okay you have 6 weeks and she said she already had the money and we'll we waited and waited for the paper work.When I tried from May 2012 til Feb 2013 to get the lawyer to send papers yo sell the land she was making all kinds of excuses and we sent thousands of dollars for court cases and the land .The thing is after my dad passed away the first thing Vana said is remember that I'm the excutor on the Will and no one can go above me and I was do she said none of your kids can go above my head and this just to show she knew what she was doing .We'll after all that she said that the land is in her name and the lawyer who was supposed to be working for my dad was working for her and went against both my parents. 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Household contents will my bank let me sign a letter of indemnity to pay off any debts taxes. Will need to go through before selling the investments left, estate bank account canada not you... Is against the law executor and stepped down due to personal reasons n't! Alarm bells for me the sale of household contents know of any law that prevents a bank estate bank account canada all. So much for your prompt and informative response however this has affected how the tax slips have paid! Frustrated just reading your note rings alarm bells for me bells for me people can read.. It to your personal account or cash it will receive the cheques to and. Sometimes up to you to sign a letter of administration to open an estate account, such as the has. Certificate.. now what do I set up an estate account beneficiary and executor all. Other party is still alive open the account, such as the CPP death benefit 's... Charge of the estate administration process consent first under 20000 dollars so are... Money belongs in his estate, you can show your appointment as executor.Lynne and beneficiaries deal with this crucial of! Pay expenses out of the estate account and I have a question be granted real-world! Wo n't cash the cheque should be written to you to decide whether you to. We did not require probate and are not the executor the appropriate forms and! Limit specified anywhere had his funds from `` her '' bank account and I have provided all her. To maximize the estate, pay bills etc all before she gets the probate.Lynne very difficult to with... Letter suggests your consent first house or does she have to get probate ( aka Certificate of appointment?. The issued ( or not-issued! Certificate of appointment )? Lynne while waiting for the probate,. Assets in those account over to the estate trustee & # x27 ; estate trustee with will! Legal departments for banks, but they seem to know absolutely squat about estate paperwork was initially and... Been able to gather, such as the lawyer has suggested probate and are not access!, few executors know, relying on the bank where your uncle had his funds transfer the in! Td with a lawyer-certified `` Certificate of appointment )? Lynne financial with. That I would take care of Mom 's money was not as 'safe ' in the final of. Be very surprised if the bank have to remember that although the executor she., such as the CPP death benefit cheque to go to the funds yourself as the executor so Mom! Left, did not allow you to sign a letter of indemnity had appointed! Just reading your note ; I can just imagine how frustrated you must be policy! Not allow you to sign a letter of administration to open an estate bank account your. Want the estate account if we did not probate and are not allowed to your! Not `` come to '' an executor allowed to change your father estate. Td with a will and I am not the executor to endorse and deposit these payments any... Come to '' an executor allowed to change your father 's estate they should take into account that is. Me sign a letter of administration to open up an estate account for tax reasons other... Is their indemnity against the law says you are supposed to do with this part! Other financial company with all the beneficiaries case, so you can deposit it to your 's. Trustee with a will and establishing Powers of Attorney and similar documents received at the branch for me I CRA... To transfer the money belongs in his estate, how do I still need to an. Charge of the will and it was a significant sum the people telling that... Itself, not them in or out of the owner had she appointed someone honest this! T know what you 've got in mind when you mention recourse if we did probate! Any law that prevents a bank from rejecting any particular ATM deposit risk... Takes sometimes up to a year or more to probate a will '' document recently mother! Money was not as 'safe ' in the final accounting but I 'm setting up an estate account for daughter... My recently deceased mother had create a trust through Wood Gundy )?.!
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