Notify Bank of America. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts.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. The beneficiary or beneficiaries must provide notarized letters of instruction in addition to the death certificate. Both joint account with right of. Next of kin is usually defined as a person's closest living relative: it's someone who may have inheritance rights and obligations. One thing for sure is that the bank will want to know the specific reasons for the removal request as the next-to-kin. When someone dies without a will, they are said to have died "intestate. " The person who has died is referred to as the "decedent. When the account owner passes away, the funds in the account belong to the beneficiary(ies).