To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. Notify Bank of America.We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts. The bank will not allow you to close it unless you have a letter of authorization from the probate court. Online: Use our online form to notify us about a customer's death. You would be named personal representative and given the letters that you require. This is a court supervised process. Closing Deceased Accounts. A bank usually cannot close a deceased account until the person's estate has been settled and closed, typically through probate. You'll just need the death certificate and your ID. The bank should close the account and make checks payable to the beneficiary.