We've rounded up the top promotions available, and the best bank bonuses for you will depend on your unique financial goals and situation. Funds belonging to a deceased depositor which remain on deposit in a joint account without right of survivorship belong to the depositor's estate.Products not available in all states. Bank deposit accounts, such as checking and savings, may be subject to approval. Fill out new account paperwork securely online or at your nearest branch. 2) Fund your account. Checking accounts do not require beneficiaries, but consumers can add them upon request. Learn how payable-on-death accounts work. From the DRS homepage, select the Member Login button in the top right. Log in to your online account.