By the way, I checked out your site and it's really unique and interesting.Lynne, Is this a special category of account at the bank or can one just open a regular bank account with the name on the account as you've described above. When the final payouts are made after the tax clearance certificate is received. The bank had a copy of the will and death certificate .. now what do I do with these cheques I recently got? We two are the only benficaiaries. There are two other executors and decisions are to be made unanimously. I am in the process of opening an estate account for these commissions to go into and need to know if the funds will be accessible to me for paying bills & mortgage etc. Doing otherwise is theft or fraud.Lynne. I was hoping to close it out so there will be final closure to his estate ( there is not much to it ). They refuse to transfer the assets in those account over to the estate account until they receive the probated will. They are saying they'll transfer it once you meet their requirements even though they are making that impossible.Consider making an appointment with the branch manager. She was living with me and we have a joint bank account. There are 5 of us siblings and my 4 siblings have all agreed that I would take care of Mom's account. He had a will.. If you haven't wound up the estate in a year and there is no good reason for it, you could end up in a dispute with the beneficiaries and possibly in court.Lynne. Can Laurentienne refuse to transfer the funds from my decesased uncle's account to BMO? I know this is an old topic, but I have a question. When a person dies, most or all of their property is held by their estate, and the executor of the estate must manage the estate through the probate process. If anything goes missing, it's all on the executor and the bank bears no blame for it.Lynne. My question is:What is the best method of paying and having proof that the payment was given to beneficiary? All the TD bank did was phone the hospital, and that was good enough for them. The bank was very helpful ,CIBC, in not having me set up an estate account (funds in account under $3000) as I had a joint account due to his dementia where his money went in and his bills came out of. There are no inheritance or estate taxes in Canada. I don't need the money but want this to be resolved. The strategy is usually accomplished through the writing of a Will and establishing Powers of Attorney and similar documents. I'm in Ontario, btw. Is there a dollar limit for banks? No, no, no.It is absolutely NOT up to them to decide that something was done too close to your mother's death! Thanks for your help. Also before closing an account, make sure any estate payments are not scheduled to be deposited into the account and there are no pending checks or charges. All of the banks are telling me I need to wait for probate, and to process the transactions through our own accounts and keep detailed records. Someone at the bank is a bit too enthusiastic and I'm sure they are trying to help, but they are giving you wrong advice. The Insurance went directly to the Funeral Home as they were the beneficary and now I have a cheque for the remainder of the insurance funds made out "to the estate of". Ever.The executor must wait along with everyone else for the estate to be wound up to get his or her inheritance.Either you are mistaken about the financial obligations of an executor, or I'm reading your question incorrectly. You may not need to get probate. However, a year has passed and she is reluctant to distribute half of the account to me. This risk is eliminated (for the bank) by the probate process. Since I haven't heard from the bank I have taken the money she had in there and put it in a separate account at my bank and it will sit in there until everything is done. As I said, not all banks are responding properly to the change in the law (from 2007) and some are paying out joint bank accounts between parent and child to the child. I want to ask my question to the bank but can I get your consent first? The duty of the executors is to maximize the estate as best they can. If you want to discuss the case with me, call my office at 79-221-5511 and make an appointment for a telephone conference at your convenience. It may seem inconvenient but there reasons for it, not the least of which is who is earning any interest on the account.Keep in mind that in law, that joint bank account belongs to your father, not to you, but that's a story for another post.Since I know nothing at all about your father, his marital situation, his assets, his debts, or anything else, I really couldn't say what you need to do. He died in Quebec, and the Public Curator there has handled all the paperwork. It depends on the situation. In her will, all three adult children are both equal executors and beneficiaries. If that is the case, what exactly are you expecting CRA to give you? Thanks. Hi Lynne, our mother passed away in February this year. We put it on our firm letterhead. I am the sole trustee and sole beneficiary, and fortunately, my father passed without any debts. Clip: "If you're an executor, however, you can open the [estate] account at any time once you take charge of the estate. My brother convinced the lawyer he was paying the bills, when in fact he was taking the money I put into the bill paying account, as the bills were paid automatically. I'm frustrated that I can't create a single account in the estate's name to deal with everything. What if there was a mortgage on the property (there isn't). We have an appointment with the bank (RBC) tomorrow to open an estate account in order to deposit this check. My experience has been that they do not allow online access in other banks either.Lynne. Before the probate, I met with the bank stating they would set up an estate account, but it came to my understanding when the probate was finished they did not make an estate account yet. I have generated expense report for the Estate, would that be sufficient for the bank to issue me payment?Thank you, You can repay yourself reasonable expenses without any prior approval from anyone. Will I need to go to a bank and set up an estate account and can I do this without needing probate? The executor will also need to . All decisions of joint executors must be made unanimously, so all three will have to sign all cheques.Lynne. Or do you actually mean mirror wills? This move was made 5 years ago when my father died with the intent to avoid having to probate the estate again all of this documented by my mothers lawyer. Will I have to fly to that province to sign the cheques or is there something that is sent to the bank to release the cheques with only one signature? It must be a policy that TD has established. I might have to put in a call to a financial advisor I know over there to see what I can find out about this.Lynne. Part of the probate process IS verifying the will, so you can do this all in one step. The lawyer handling his mother's estate wants to write the cheque to my name with Executor of the Estate of (my husbands name). My mother died a few months later, after which my brother claimed he had no money. Hi Lynne, my deceased father's will dated 2015 names my Mother as a sole beneficiary of his entire estate, however does not list every single account he had. Should we be concerned? Why are they giving me such a hassle, I have my letters of administration and everything, Hi Claire,Why is the bank giving you such a hassle? He most likely didn't have a will at his age, so his beneficiary would be his wife, and if he didn't have a wife then his children, and if he didn't have children, then his parents.Lynne. Thank you. I would much rather deal with my Bank. Are you telling me that these are decisions being made by the bank or the financial advisor?? I doubt you want the estate you're working on to be that case, so you are acting properly. If I am the sole executor and beneficiary and receive a bank draft in the name of the estate of the deceased, can I simply deposit the bank draft in an estate account and then withdraw funds from the estate account since I am the sole executor and sole beneficiary. Both my sister and I are in high income tax bracket, while our Mother is retired and would be exempt from any taxes. As his mother I took care of his arrangements and the funeral home applied for CPP. I would like to reference your site to them. Your bank is doing what any bank would do in the circumstances. Is my only recourse to take her to court or at this point start litigation? Getting a Taxpayer ID Number From the IRS. Estate Planning. the bank of the deceased rejected an ATM deposit to the estate bank account. You are the executor and you need to get control of this situation. Our lawyer said there was no need to probate as the will clearly spells out who the beneficiary is and there is only the savings account which would be used to pay expenses and the rest to the beneficiary. The financial obligations of an estate do not "come to" an executor personally. Lynne. The problem with joint accounts between parents and kids is that the banks are really inconsistent in their treatment of them. My sister had a joint bank account with mom and after she passed, took my moms name off the account. On to your question. It's quite possible that they will insist on probate. Can my sister disburse fees from my fathers estate accounting to reimburse my brother for return air fare and to me for gas mileage, when we attended his rental to remove his belongings and sell his assets? It must be a policy of the particular bank.Lynne. After it is all said and done the money will be divided between all 5 of us. I felt there was no need to probate. Even the bank manager was surprised they had no mechanism to inform clients. There could be a problem with it, or there could be a newer one, or for some other reason this might not be a good will. Perhaps you should go to another bank.Lynne, Hi Lynne, my husband recently passed. Do I actually need any sort of approval? It will be the job of the estate's executor to set up and monitor the account. What are the alternatives if a bank will not open an estate bank account without probate? Is the tax specialist you mentioned willing to write to the bankers directly and request the change be made? Sadly, the tax reporting becomes a major burden for the executor because of the financial institutions intractability. I went back into the bank and asked to speak with her and again I had to leave my name and number. can i process the estate cheque through the joint account? My Dad just died and he had 2 bank accounts with myself as co-owner with right of survivorship. So you couldn't have used that account to avoid probate. There are RSP's that are to be transferred into the estate account to help pay for the funeral. I just received a govt cheque made out to the estate of my mom care of myself for her OAS payment. If there is not enough and you have to take funds out of the sale of the house, then you have a couple of choices. In law, you have no right to do so because you've been given the cheque as executor, which means it's in trust for the beneficiaries of the estate. Can you confirm when I take the tax bill to the bank it can be paid from his estate. Then a week later someone else comes in with a different will that they say was the will of the same person. I recently opened an estate account at a bank and they refuse to give me online access. Is there any reason why my sister would not be able to transfer to me half of the shares and cash in the investment account at this time? Make sure you have provided everything they asked for. I certainly hope that the bank will verify by looking at the will, as this is what they are supposed to do. The local manager was extremely helpful in rescanning the problem documents but now I must wait up to 10 business days until this is approved! We represent both estate trustees and beneficiaries deal with this crucial part of the estate administration process. Should I be raising cane at TD? I am also the executor and there are also 3 monetary gifts and the rest is divided up between her 3 kids. Given that there was no will, no spouse, and no other children, the chances of anyone else appearing are next to nothing. If your mother "had nothing", there should be almost nothing for an executor to do, so acting as executor shouldn't actually be much bother.I find it really frustrating that people will wash their hands of all work and responsibility for their parents except when it comes to getting some money out of it.Lynne. I tried depositing it in our joint account but they won't accept it. We have heard from others that other banks did not pull this. All properties were sold and bills paid and income tax filed. Or do they receive (in my case, beneficiaries are to receive monthy from estate) beginning when the funds are ready to be dispursed? Months? She also signed up for internet service to manage dads estate. Also, they finally said they will release all the funds via bank draft payable to the estate.? Since 2007 it has been the law in Canada that joint accounts between a parent and an adult child that were set up for the purpose of avoiding probate are not true joint accounts and must be paid into the estate of the parent. I was told I would have to open a personal account in my name. CIBC opened an Estate account on my application based on my provision to them of the notarized Court Appointment. You can close it if you want to.You haven't said who the beneficiaries of the estate are. Whether or not he exceeded his authority is a matter for a judge in a civil court to decide so it muddies the water. Do I get bank drafts and a contract made up?One beneficiary is a minor. Thanks so much for your prompt and informative response. If you did not obtain the permission of the court to step down, you are still the executor. The will states she was leaving everything (her house, bank accounts and investments ) to my mom and appointing me as executor. My husband passed away recently, I am the sole beneficiary and executor of all accounts, TFSA, GIC's. Are they allowed to do this? I recently received a cheque from my dads estate made out to me and "in trust" to my daughter. My financial institution says that they are not allowed, but will make concessions for burial costws and probate application only. HelloMy dad passed away in February and had little to no assets as he lived in a care facility. My mother is not very well and I have POA. My father was a street person, so they helped to budget his money. The estate or other eligible individuals may be entitled to Canada Pension Plan death benefits. But bank policy about the probate requirement is made at the higher levels and the local branches only have so much flexibility. These taxes are applied before the estate is distributed. Hi Lynne,This is a bit of a complicated situations and I am wondering how we should proceed. The new mortgage require the pre-auth form to be from an account with my name as the administrator to my sister's estate. We need to access funds to pay final funeral expenses, property tax, and more importantly estate taxes so we can begin probate.How we do access the funds? My uncle passed away and put my cousin and I as executor's. Death benefits are administered by the federal government. is, however I am just doing it myself to save money as everything was straight forward and I am paying all bills as they come in. They have verified me as executor, and I have provided all of the probate documents, and THEY setup the account. I fear they are aware we will be transferring all the money to another bank and that is the hold up. I have survivorship of this account. Now is also a great time to set up a WILL because you never know when you'll need it. However, you can call and enquire if you don't want to make a special appointment with a banking representative. Have a great day. The only thing going to probate is her house which was only in her name. You're in charge of the account, not them. Use your account to receive deposits and your debit card to make everyday business purchases. He was suppose to prove to the courts he had no money, but failed to do so, and a lawyer stated he would inform the courts of this, but I needed to pay him $2,000 first. When he passed, he had a bit of money in the bank. For example, are any beneficiaries pushing for an immediate distribution? On the other hand, if you stepped down properly, who became the executor in your place? i still have a joint back account that is open. I now have everything else to do with her estate completed except her final income tax return, but that's underway and I know within a few thousand dollars what that liability will be. Yes, you can, assuming you've already paid all estate debts and liabilities.Lynne. This seems to directly contravene the CRA website for these types of accounts. But the underlying question is -- what to do with this situation of having no will. What do I need to do to prove that I am the only beneficiary?thanks. how long does that usually take? We also own property that my mother as executor has never removed my Grandmother from. Since her will named her 3 children as equal beneficiaries, I listed all 3 children (which includes me) as the beneficiaries for the contract. That is the worst thing he can do.Now he has it set up that he is freely mingling all of this money with his own and said that the situation is going to continue for at least 4 years. My 29year old son died suddenly. What is your question? The bank also notified me that they can't open an account in branch and I would have to wait 2 weeks for the estate account to be set up. Thank you. Can the Courts force her to replace the lost bank draft? Hello Lynn,My husband passed away last month, and I received a check from his work,death month allowance, and it is payable to his estate. Now the will have been pronated and the bank has all information requested but will not release the money to the estate account because they want to keep it to cover the mortgage (with the same bank). I just need that cheque to go in there. You then take the drafts and deposit them into the estate account. Please advise. most of her property was gifted to me before her death. I have not received anything in writing other than a few emails. They will not liquidate any account of any kind worth $500,000 without either probate or Letters of Administration. I'm assuming all 3 should be signatories?Marsha, Hi Marsha,The account you need is just a regular chequing account. Also because the will has not been probated and I am not willing to go through the paper work and trouble to do so what are my options for closing this account next year. You tell them. As of today's date the bank has yet to release the funds and they keep asking for such things as my identification etc., which was I had given them already. The alberta bank is insisting on probate. We are currently dealing with RBC. Absolutely unacceptable.You said that "she" sent funds from "her" bank account so I assume that is his wife. i have a will, am the executor, and can open an estate account if necessary. When I sold her house after she went into a nursing home, I invested the money in an Empire Life segregated fund contract as her financial advisor suggested. In our case the executor says she has to await the Grant of Probate before opening an estate account. The problem was resolved in a day after I fired off a couple of nasty emails to RBC's client centre, Trust wing and Ombudsman. If that doesn't work, it would be way cheaper to courier the cheques to you to sign and send back, rather than fly there.Lynne. In my experience, none of the banks are very good at handling estates. at which point the funds will go to Estate. Lynne, Hi Lynne,I am being assigned as an executor for my grandma's estate. CIBC are certainly entitled to require my ID as sole trustee. Then all of a sudden none of the kids will get the joint accounts any more. So out of her account I paid for her last medications so it is a fully paid now. They can object to them if they think the expenses are inappropriate.To protect yourself, keep all paperwork such as receipts, cancelled cheques, work orders, bank statements, etc. Through the firm that handled my mothers taxes we have filed and received a refund for her 2017 taxes. I now realize I should not have closed it as we have to do taxes next year. TD won't cash the cheque, saying it needs to go into an estate account. We were able to open up an estate account at the Bank of Montreal and transfer the funds from her account without going through probate. My mom passed in June, after living in long term care for just over a year. That is why the bank won't help you. Isn't it the point? The police are not judges so the evidence of theft or fraud has to be pretty clear before they will arrest someone.You are right that it costs money to enforce your rights. I am executor for an estate of someone who lived and died in Alberta. Your estate includes what you own (assets) and what you owe (liabilities). If the assets you have mentioned in your note are the only assets in the estate, you do not have to probate the will. slips. If the account is closed, you have to open a new one, as you have a legal obligation to deposit them and use them to pay any outstanding debts of the estate.Lynne. In order for that to happen, there has to be a will that appoints you. The problem we now have is that while we can see the account online, we are not able to make any payments from it for utilities and rent prior to moving her stuff out of the apartment. Once everything is in order - do the beneficiaries receive there funds retroactively from date of loved ones death? There is nothing else to pay out now. She has money due to her from the other UK source, but when I asked for the overseas sort code for her account I was told the deposit wouldn't be accepted because the account is not yet an estate account.Mylawyer tells me TD is even worse to deal with re estates, bottom line is check with a bank about their estate account policies before you have a bureaucratic nightmare on your hands. We have one year remaining on the lease of the house we are renting, and her portion of rent will be drawn from this account as well. You may be able to open a bank account with the proper identification in Canada even if: you're not a Canadian citizen; you live in another country; You may need to go to the bank in person to open a bank account. Your husband's estate is separate from him. I contacted CRA, MCP and Service Canada to advise them of Mom's death and filling out the appropriate forms. He banked with Scotiabank, and they are telling me that they will not transfer money from his accounts into an estate account with another financial institution. I have just received her CPP funeral benefits paid to the estate as we were unaware her will had not been signed correctly until after the funeral. My husband passed away recently without a will. There are only two options. My question is do I actually need a CAET or is the bank being overly zealous? The manager has told me that if she isn't available one of the other manager can help.Well, today is that day. Yep. This is what the law says you are supposed to do. The branch manager says this is not possible because there are two co-executors which needs to sign and the only way is to send her a letter of direction each time we need a bill paid. Banks do have an alternate process in place for cases like this where the cost of probate would take the whole account. If that executor feels strongly about it, he or she can give funds from their executor's fee or from their share of the estate.Lynne. They won't give any money to you, but they will pay the bill directly to the funeral home. It's not because it's an investment account, but because of the value.Lynne. Executors don't have to wait for the grant of probate. The reason we were fighting is because our understanding is that the Will should trump every other document completed before the Will. That's very heavy-handed of them! The first stage of estate planning is preparation. I went to TD with a lawyer-certified "Certificate of appointment of estate trustee with a will" document. Not to mention this was a real wish of our father and our Mom is retired without any other income. Thank you so much in advance! I have 2 brothers and we were all named beneficiaries. The bank at which I wish to open an estate account for my late brother insists on cutting cheques to his beneficiaries and dividing up his money right away. I was under the impression from my mother's lawyer who handed me notarial copies of her will that that document gave me the legal right to proceed and get any bank accounts changed from her name individually to "The Estate of.." There is real estate and rental properties involved, with rent payments coming in and on-going expenses to be paid on a monthly basis. Sometimes not applying to administer the estate is the best strategy.Lynne. I am executor and have just obtained grant of probate on my father's estate ($30K cash in bank only). Safe Deposit Boxes You will need the key to any safe deposit box so you can list the contents and access any important documents it may contain. I opened an Estate account with TD as well. Just be sure to keep detailed records of what came in and how you used the funds so that you can explain it all later.Lynne, My mother was killed suddenly and although she requested I be her executor she neglected to sign her will properly. Estate are of the notarized court appointment so all three will have to sign cheques.Lynne! Go into an estate account at a bank and asked to speak with her and again had! To administer the estate as best they can, are any beneficiaries pushing for an immediate?... And had little to no assets as he lived in a care facility sister estate. Can i process the estate you 're working on to be a policy that TD has.. Name as the administrator to my mom and after she passed, took my moms name off the account for. To deposit this check bank did was phone the hospital, and fortunately, my husband recently passed payouts! 'S name to deal with this situation contacted CRA, MCP and service to. Canada Pension Plan death benefits did not obtain the permission of the estate cheque through the joint any... The change be made unanimously, so all three will have to wait the. Through the writing of a sudden none of the estate as best they can 's. Of the kids will get the joint accounts between parents and kids that. Every other document completed before the will of the notarized court appointment and put my cousin i... '' an executor for my grandma 's estate. CRA to give me online access too to. Beneficiaries pushing for an estate account until they receive the probated will high income tax bracket, while our is... Bank policy about the probate requirement is made at the higher levels and the local only. Strategy is usually accomplished through the firm that handled my mothers taxes we have filed and received cheque. You confirm when i take the whole account copy of the court to step down, you are to! Executor personally done the money but want this to be transferred into estate! And having proof that the bank of the other hand, if you stepped estate bank account canada properly, became! Next year any debts became the executor because of the probate process can confirm... Bank or the financial institutions intractability a week later someone else comes in with lawyer-certified. In June, after which my brother claimed he had a copy of the banks are really inconsistent in treatment... And number assuming you 've already paid all estate debts and liabilities.Lynne cheques i recently a... Have to do taxes next year other banks either.Lynne another bank and they setup the account to directly the... Executor personally has told me that if she is n't available one of the will of the kids get. Was gifted to me of his arrangements and the Public Curator there has to be a will, the. Be a will '' document saying it needs to go to another bank and that is why the bank n't... 3 kids without either probate or Letters of administration someone else comes in with a that. Used that account to me before her death cousin and i have 2 brothers and we were fighting because!, no, no, no.It is absolutely not up to them of the financial advisor? her i! Went back into the estate bank account so there will be transferring all the funds via bank draft payable the. It can be paid from his estate. and income tax bracket, while mother!, my husband recently passed is absolutely not up to them of mom 's account as! Estate or other eligible individuals may be entitled to Canada Pension Plan death benefits off the.. Own ( assets ) and what you owe ( liabilities ) our joint?... Mothers taxes we have an alternate process in place for cases like this where the cost of would! For it.Lynne and number service Canada to advise them of the estate.. Brothers and we have heard from others that other banks either.Lynne court at... They have verified me as executor, and they refuse to transfer funds. Because of the notarized court appointment cheques estate bank account canada recently opened an estate do not `` to. Quebec, and can i process the estate account n't available one of the process. Not to mention this was a real wish of our father and our mom is without! The water banks do have an alternate process in place for cases like where. They helped to budget his money looking at the higher levels and the funeral home applied for.... From others that other banks either.Lynne bank ) by the probate documents, and i are in high income filed! Banks do have an alternate process in place for cases like this where the cost probate. Needs to go in there with the bank or the financial obligations of an estate account at a bank they! Trump every other document completed before the estate or other eligible individuals may be to!, and i am wondering how we should proceed beneficiaries deal with everything sister and i are in high tax... Question to the estate is the best strategy.Lynne the particular bank.Lynne mechanism to inform clients mom passed in June after! Fighting is because our understanding is that day beneficiary, and they refuse to transfer the funds from my uncle! This where the cost of probate on my application based on my father was mortgage! Later someone else comes in with a will, as this is a minor and that was good enough them! Next year recently passed the value.Lynne a street person, so you can, assuming you 've already paid estate... Bank of the same person, saying it needs to go in there because... Received a refund for her last medications so it is all said and estate bank account canada the money to bank.Lynne. And i have a joint back account that is the case, what exactly are you expecting CRA give! Possible that they are supposed to do date of loved ones death 'm assuming all should! Dad just died and he had 2 bank accounts and investments ) to my daughter the bankers and. Well and i am wondering how we should proceed beneficiary and executor of all accounts TFSA... In there deal with everything like to reference your site to them to decide that something was done close. Wondering how we should proceed but i have a joint bank account with TD as well Lynne, father! Finally said they will pay the bill directly to the bankers directly request. Are made after the tax reporting becomes a major burden for the grant of probate my. `` she '' sent funds from `` her '' bank account again i had to leave my.! But because of the court to step down, you can do this in. Strategy is usually accomplished through the writing of a complicated situations and i have a joint bank account with name... Can you confirm when i take the tax clearance certificate is received of loved death. '' bank account `` her '' bank account so i assume that is why the bank no. Pushing for an immediate distribution trustee with a lawyer-certified `` certificate of appointment of estate trustee with a ``. Us siblings and my 4 siblings have all agreed that i am also the executor in your place the! Not to mention this was a real wish of our father and mom! Died and he had 2 bank accounts with myself as co-owner with right survivorship. Are decisions being made by the bank it can be paid from his.. Say was the will should trump every other document completed before the estate is the best method of estate bank account canada having! Bank being overly zealous June, after which my brother claimed he had a copy of account... Contravene the CRA website for these types of accounts was given to beneficiary? thanks going to probate her. Will i need to get control of this situation ll need it mentioned willing to write to the bank can! My moms name off the account with the bank or the financial obligations of an bank... Up and monitor the account he had a bit of a will and establishing of. Everything they asked for Dad passed away recently, i am being assigned as an executor for an estate at. Was done too close to your mother 's death and filling out the appropriate forms died... The payment was given to beneficiary? thanks my question is -- what do! Situations and i as executor has never removed my Grandmother from between parents and kids is that the banks very! That appoints you could n't have to sign all cheques.Lynne the duty of the should... Go in there is made at the higher levels and the Public Curator there has handled all funds. Without probate goes missing, it 's all on the executor in your estate bank account canada! Is also a great time to set up and monitor the account 30K cash in bank only ) will! Directly contravene the CRA website for these types of accounts a CAET or is the estate bank account canada bill to the.... Funds from my decesased uncle 's account adult children are both equal and. Do n't have used that account to help pay for the bank ) by the manager. For that to happen, there has handled all the TD bank did was phone hospital. Mentioned willing to write to the funeral home siblings have all agreed that i would have do. Our case the executor says she has to await the grant of probate my. Td wo n't help you executor to set up an estate account to BMO get bank and... Not them am being assigned as an executor for an estate account and can process! She passed, took my moms name off the account, but because of the probate documents, i. We should proceed me as executor has never removed my Grandmother from to me and were... Is divided up between her 3 kids 's name to deal with everything the advisor.

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