How to fill out the final account for an estate with no assets except a vehicle and nothing in the bank. You will need to establish a legal right to claim your mother's estate before the bank will even talk to you about your mother's assets.The best way to avoid any issues with accessing the bank accounts of deceased family members is to have a clear and up-to-date estate plan in place. Make the process of opening an estate account simple and straightforward with this stepbystep guide. When someone dies, the ownership of their bank account is typically transferred to a beneficiary. You can set up an offshore bank account completely legally, safely, and wisely, especially if you do so well ahead of any financial troubles you may encounter. He left £60000 in an account, and now it's stuck there because they won't engage with me over the administration of the estate.