An original death certificate. Customer: I need to open a checking account for my deceased daughter's estate checks coming to me.In most cases, only the personal representative of a deceased person's estate can access the deceased accounts at a financial institution. Changing your bank account into a JointOwnership account with your daughter or making her the account's PayableOnDeath beneficiary avoids probate. Set up a trust or settle an estate's financial affairs. We also offer IOLTA accounts for lawyers and law firms. DECEDENTS, ESTATES AND FIDUCIARIES. Chapter. 1. Interested in becoming a PNC Private Bank client? Simply fill out and submit our form. Each beneficiary named in the will.