You are correct that all numbers should come to zero before the Final Accounting can be approved with the Clerk. If the deceased person was the sole owner of the bank account and named a beneficiary, then the bank can release the funds to the beneficiary without probate.Bank of America accounts. Visit your local financial center or contact Estate Servicing Operations to speak with our dedicated team. For estate planning services in San Antonio, Jefferson Bank has options to minimize estate taxes, manage the transfer of wealth and more. Our estate settlement services include help with probate, guardianship, trust accounting expertise, and more. Learn about the bank's role in releasing funds without Texas probate. Explore real-life scenarios and strategies to make things easier. Learn How to Secure Family Access to Your Texas Bank Accounts After Death with PayOnDeath Beneficiaries and Right of Survivorship Options. We may request a few of the following items based on the customers relationship with us: Death certificate; Proof of your identification, e.g.