Make an inventory, not a shared login
List institutions, account types, and the location of statements. Avoid keeping passwords or full account numbers in an unsecured document.
Your small next steps
Clarify legal authority
Joint ownership, beneficiaries, powers of attorney, and estate administration differ by jurisdiction. A power of attorney generally ends at death; an executor’s authority is a separate matter. Get advice specific to your circumstances.
Your small next steps
Use the bank’s official process
After a death, notify the institution and follow its documentation requirements. Do not use the deceased person’s login to transfer money or bypass restrictions.
Your small next steps
The thing to remember
The safest preparation is a clear account inventory, appropriate legal arrangements, and a plan to contact each institution.
General educational information only—not legal, financial, or security advice. Provider features and local laws can change. Use official provider guidance and consult a qualified professional for your circumstances.