We've got the answers in our FAQs. If there's no Will and real property then an administration proceeding should be filed.Learn everything there is to know when it comes to opening and withdrawing from an estate account in NYC. We go over when you can and cannot take out money. Pay on written demand of any owner for the withdrawal of the entire amount in the joint account. If you are receiving this letter you have an open account with Byram Township and are required to fill out the attached W9 form. Requirements To access your accounts through Express Online Banking, you must have a Fulton Savings Bank account, a log in ID and an online password. From account management to routing numbers, get all your Cadence Bank questions answered here. Open account with Byram Township and are required to fill out the attached W9 form. Real estate, unlike joint bank accounts, may not automatically pass to a surviving co-owner.