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Handling Accounts at Death

When your account holder dies, many issues and questions arise. Learn about checks, IRAs, deposit ownership, trusts, UTMA, affidavits of heirship, and other complex issues that can occur when an account holder is deceased.
Beginner Friendly
Upcoming
Thursday, January 15th, 2026
10:00 am - 12:00 pm
Presented by Deborah Crawford
$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Compliance
  • Customer Service
  • Deposit
  • Deposit Accounts
  • Deposit Compliance
  • General Compliance
  • Reporting
  • Teller
  • Transaction Compliance
  • Branch Manager
  • Consumer Lender/Retail Banker
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Senior Management
  • Training Manager
  • Trainer

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These are just some of the questions you face when your account holder dies. Who can have information on the account? Who owns the account? What has access to the account? What happens with powers of attorney and authorized signers on account? Can the spouse of the sole proprietor continue to access the account? What about that last tax refund check? Is the account still insured? Can a check be written to a funeral home? What about the checks coming in to pay funeral expense? Learn the answers to these questions and more during this informative session.>/p>

What You'll Learn

  • Probate versus non-probate transfers • When does the will govern and when does the signature card?
  • What bypasses a will? Trusts, IRAs, JTWROS?
  • Living trusts and successor trustees • When do we know that an account holder is deceased?
  • When can we use small estate affidavits? • What happens to powers of attorney, authorized signers, etc.
  • How are IRAs, HSAs, and UTMAs affected?
  • Do sole proprietorships cease at death?
  • FDIC insurance issues

Who Should Attend

This session is ideal for customer/member service representatives, branch administration, branch managers, tellers, training and development staff, compliance personnel, and anyone who handles customer/member accounts.

Deborah Crawford

Instructor Bio

Deborah Crawford is the President of Gettechnical Inc., a Florida based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 35+ years of combined teaching and banking experience.

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