Before the estate can be closed, the personal representative must file a final account, report, and petition for final distribution. The process to claim a deceased person's bank account is straightforward if there are clearly defined payableondeath beneficiaries or a joint account owner.Begin the probate process. To get started, simply log into Internet Branch online banking and visit the Estate Planning section. San Diego County Credit Union Logo. Inventory the Estate. A small fee may apply to order the certificate. For comparison, a more "complicated" Probate (e.g. How to fill out and record a TOD deed. What if I change my mind?