The personal representative of the decedent's estate (the executor or administrator) should contact the bank and provide a copy of his or her court appointment as estate representative. Then, on behalf of the estate, the representative can obtain payment.
In some cases, state law will allow the bank to pay out a CD account to a next of kin if no estate representative approaches the bank first. The next of kin will need to provide a copy of the death certificate and certain other documents that the bank will specify. This option is typically available only from relatively small accounts. The limit varies from state to state.
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The personal representative of the decedent's 