Closing a bank account when someone passes away isn't difficult, as long as you have the right paperwork for the the teller or banker. A. Accounts must be filed with the Commissioner of Accounts.Most banks will have their own individual procedure for closing a bank account after the title holder of the account passes away. We'll need a photocopy of the death certificate to verify the identity and legal residence of your loved one as well as confirm date of death. Joint deposit accounts may be retitled to remove the deceased customer. After someone dies, notify the government programs and businesses they used. Cancel benefits payments and close or transfer accounts. Online: Use our online form to notify us about a customer's death. For those close to the deceased, here are some circumstances to consider, and what to do when an account holder dies. Important documents such as a Will and "Final Instructions" letter might be in the safe box.