I want to add my son as a signer on my checking account, so he can pay bills if I'm sick. Would that mean that he'll own my account when I die?
If you add your son to the account as an authorized signer only, his authority to sign on the account will end with your death. The account will become part of your estate, and will be handled by the estate's personal representative. If you add your son to the account as a joint owner, he will still be able to pay your bills if you're ill, but when you die, the account will become his, and will not be part of your estate.
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If you add your son to the account as an 