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. To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. DECEDENTS, ESTATES AND FIDUCIARIES. Chapter. 1. The beneficiary or beneficiaries must provide notarized letters of instruction in addition to the death certificate. Both joint account with right of.