In most cases, only the personal representative of a deceased person's estate can access the deceased accounts at a financial institution. You can also set up a bank account with another individual or entity as "payable on death," or POD.Probate is a legal process in Pennsylvania after someone dies. It involves checking the decedent's last will and choosing an executor to handle the estate. The bank employee must complete PA Form REV-487 (Entry Into A Safe. A medallion signature guarantee must be completed in person because it confirms your identity, signature and legal authority to transfer securities. DECEDENTS, ESTATES AND FIDUCIARIES. Chapter. 1. When a spouse dies, financial issues become entangled in the probate process. You make payments based on statutory requirements.