Notify Bank of America. We'll ask you for the deceased customer's full legal name and Social Security number to identify their accounts.The beneficiary or beneficiaries must provide notarized letters of instruction in addition to the death certificate. Both joint account with right of. If you are the executor of a deceased person's estate in Texas, you may be able to withdraw money from their bank account without going through probate. A payable on death (POD) designation means your bank account automatically transfers to a beneficiary upon the death of all account owners and co-owners. To close a bank account on behalf of someone who has passed away, you must have legal authority to manage the account. The next of kin will not have any access to the money on a deceased person's account unless that person is a Joint owner of the account with a right to survive.