If you need to open one, it can be with any bank, doesn't have to be with them, so you can get them out of the picture fairly quickly. In what state should I open an estate account?Having an estate checking account is the appropriate method to handle an estate's finances. Get the resources you need to help navigate someone else's financial affairs. If the account is classified as "Joint Account—No. Survivorship," no checks should be written from it after the date of death. Closing a bank account when someone passes away isn't difficult, as long as you have the right paperwork for the the teller or banker. What you may need ; Trust. Accounts with arrangements to hold the assets in a trust. How do you open an estate bank account?