Gather your documents. How do I open an estate account?Just make an appointment at your local financial center and an associate will be happy to assist you. Settling a Capital One account after someone has passed away. Our goal is to make our processes clear so that you know what to expect. What happens to American Express Savings accounts after an Account holder's death? The Bank requires certain documents depending on your specific circumstances. Lake City Bank's Estate Checking account is an interest bearing checking account designed to process financial obligations for a deceased person's estate. So you can see if the bank will accept the check as a deposit into your account and if not then you will have to file for a small estate in the probate court. The Citi Estate Services Unit can help friends and family members of deceased Citi Customers understand the process to handle the bank account or credit card of