How to fill out the final account for an estate with no assets except a vehicle and nothing in the bank. A transfer on death account is a common way to avoid the stressful probate process for a home, as well as investment and bank accounts.Bank of America accounts. Visit your local financial center or contact Estate Servicing Operations to speak with our dedicated team. A Payable on Death (POD) account is easy to set up at your bank. In the majority of cases, joint bank accounts are not subject to the probate process. Please note: For all account types, we require a death certificate. This would include all of your Arizona real estate, along with your bank and stock accounts. Some tips about Rule 43(b)(2):. Trust. Accounts with arrangements to hold the assets in a trust.