You will need to provide a certified copy of the death certificate to close the account. Step 3: Figure out who is legally responsible for any credit card debt.However, to officially close the account, it's smart to follow up in writing. After someone dies, notify the government programs and businesses they used. Cancel benefits payments and close or transfer accounts. It goes to the estate. If the estate can't pay it off, then it gets written off. To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. Your letter should include the following: the credit card account number, the deceased's name, address, Social Security number and date of birth. Notify Bank of America.