If I am a beneficiary and the estate does not have enough money, do I have to pay creditors out of my own pocket? Do you know how to find out if you are a beneficiary on a bank account?In this section, you can find information and answers to the following questions: 1. Can a beneficiary ask to see estate accounts? How can a beneficiary request an accounting of an estate? It sounds like as the joint bank account holder that you are entitled to everything in the account,. Bank of America accounts. Visit your local financial center or contact Estate Servicing Operations to speak with our dedicated team. Not A Loan--An Advance. There is no credit check and your employment history and income does not matter.