You cannot open an estate account without Letters of Administration but based on the amount involved, Letters are not necessary. Before you start Make sure you qualify to use this process The estate is "small," which means it is valued under a set amount.North Coast Financial offers California probate loans, estate loans and inheritance loans to heirs and beneficiaries in need of short-term financing. Generally, if you have bad credit, you will NOT be allowed to act as the administrator of the estate of parent or loved one. Bank of America accounts. Visit your local financial center or contact Estate Servicing Operations to speak with our dedicated team. A cash advance can provide you with the money you need, even if your credit score isn't perfect. San Diego County Credit Union (SDCCU) partners with Legal Karma to provide access to fillable estate planning forms for active SDCCU members in good standing. Not all estates need to go through formal probate. Depending on how the property is owned, and the type and amount of property, you may not need to go to court.