Broadly speaking, if the account has what is termed the “right of survivorship,” all the funds pass directly to the surviving owner. If not, the share of the account belonging to the deceased owner is distributed through his or her estate.
I have a joint account with someone who died. What happens now? | Consumer Financial Protection Bureau (2024)
References
- https://generationslawgroup.com/should-i-add-my-adult-child-to-my-bank-account
- https://www.wellsfargo.com/savings-cds/kids/
- https://kansaslegalteam.com/do-you-need-power-of-attorney-if-you-have-a-joint-account/
- https://www.actec.org/resource-center/video/should-your-adult-child-be-a-co-signer-on-your-bank-account/
- https://getcarefull.com/articles/should-i-open-a-joint-bank-account-with-my-aging-parent
- https://www.consumerfinance.gov/ask-cfpb/i-have-a-joint-account-with-someone-who-died-what-happens-now-en-1101/
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