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what happens if your parent dies and they donamp;#39;t have a beneficiary on their bank account hi Iamp;#39;m guy dimartino I am a Northwest Indiana State planning and probate lawyer and today Iamp;#39;d like to explain to you what happened somebody recently came into my office their mother died they went to the bank they found out that there was no beneficiary on their momamp;#39;s bank account and they did the bank would not give them access to the account they wanted to know whatamp;#39;s going to happen well youamp;#39;re going to have to jump through a couple of more Hoops the first question is is the estate worth more than fifty thousand dollars the estate is worth more than fifty thousand dollars in order to get access to the bank account youamp;#39;re gonna have to open a probate get a court order and then once you somebodyamp;#39;s appointed personal representative and letters testamentary are issued then you can go to the bank and get the money out of the bank and it