The Society requires that all accounts of the deceased are closed. In New York State, the Surrogate's Court decides what happens to a person's property when that person dies.You should also make a list of what the Decedent owned at the time of death (such as bank accounts, house, stocks, etc.). To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. Navigate estate closure with expert guidance. Learn how to limit liability and ensure fair distribution for beneficiaries today. To close a bank account after death, you must completely liquidate its funds. This could just be a death certificate and your driver's license. It could also require opening an estate and getting letters testamentary. If your mother wants you to have access to the account immediately after her death, you should discuss her intent.