To open an estate bank account, the voluntary administrator must obtain an "EIN Employer Identification Number" from the IRS. Under New York state law, you can add a POD designation to checking accounts, savings accounts, savings bonds, and certificates of deposit.Whether a bank account must go through probate depends on how the account was held jointly or in the decedent's sole name. Please complete the following information. Decedent's Information. Dealing with the death of someone close to you is never easy. We've put together a guide of what to do if your loved one had an investment account with us. The person who died is called the Decedent. That person's property is called the estate. We may offer direct deposit services, including preauthorized deposits (e.g.