To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. The bank will not allow you to close it unless you have a letter of authorization from the probate court.A bank closure letter may be needed if you want to close a bank account without having to go to your bank's physical location. The first and foremost thing you must do to close a bank account upon the death of a loved one is to inform the bank of this death. You should also make a list of what the Decedent owned at the time of death (such as bank accounts, house, stocks, etc.). You'll just need the death certificate and your ID. The bank should close the account and make checks payable to the beneficiary. You'll need to sign in with an identityverified account through one of our account providers. Such property may include life insurance policies, retirement accounts, joint bank accounts, and annuities. Notify Bank of America. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts.