Deposits standing in the individual name of a deceased depositor of a bank or federally chartered bank shall be paid to the individual's legal representative. I am looking for guidance on opening an estate account for a relative from MA who died several years ago.There are different forms you'll need to file depending on whether or not the decedent (the person who died) died with a will. You'll also need the decedent's legal name and Social Security number. Make the process of opening an estate account simple and straightforward with this stepbystep guide. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts.