Association Checking—No minimum balance, no monthly fee. Two common ways to avoid probate on your bank accounts are holding the account jointly or designating a beneficiary for the account.Ask the company or institution (like a bank) that has the property if they have an Affidavit for you to use. How can a beneficiary request an accounting of an estate? What should an estate accounting entail? This is not a zerobalance account. This account should be an interest-bearing account. Online account access with E-Statements; No monthly fee; No minimum balance. How to Get a Checking Account. Bank of America accounts.