Open a bank account for the estate. Contact creditors and other debtors.Notify Bank of America. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts. 26-year-old Hope Pascual Vergara was found deceased off Davis Road in the area where she went missing. Who has access to a deceased's bank account when they die? And what happens to joint bank accounts after death? Money in joint accounts. The deceased person may have held money with another person in a joint bank or building society account.