We're ready to help. This guide explains the account settlement process after the death of a member.Below are the steps you should take and what documents you will need in order to start the process. Funds belonging to a deceased depositor which remain on deposit in a joint account without right of survivorship belong to the depositor's estate. The purpose of this type of account is to temporarily hold funds for the named heirs to the Estate until the funds can be distributed. Steps and Requirements for Reporting a Death to BECU. Begin the probate process. 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. Begin the probate process. The best way to avoid any issues with accessing the bank accounts of deceased family members is to have a clear and up-to-date estate plan in place.