Notify Bank of America. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts.One thing for sure is that the bank will want to know the specific reasons for the removal request as the next-to-kin. A payable on death (POD) designation means your bank account automatically transfers to a beneficiary upon the death of all account owners and co-owners. This document provides instructions for a scam known as the "Next of Kin" or "N. Next of Kin Letter is a document used to confirm who is the closes relative of the deceased that are still living. The next of kin will not have any access to the money on a deceased person's account unless that person is a Joint owner of the account with a right to survive.