First: Know the password and take out the bank card directly.
The first one is very convenient to take his ID card directly to the ATM to withdraw money, or directly use the mobile APP to transfer money to other accounts. Shortly after the death of family members, the identity information has not been cancelled. However, the prerequisite for this operation is that relatives should know the payment password of the bank card of the deceased relatives. Passbook: In another case, the old man uses a passbook, but the family members also know the password. At this time, it is necessary to bring the ID card of the deceased relative and the ID card of the teller, and enter the withdrawal password at the counter to withdraw money, which is our usual "withdrawal" operation.
Second: if you don't know the password, look at the balance first.
1. I don't know how much money is in the bank card account of the deceased. In this case, it is necessary to make clear the amount of deposit in the account first, and then provide certificates including certificates of immediate family members and property involved (certificates of deposit, securities).
Know how much money is in the bank card because it can be defined as the legacy of the deceased, so if you want to take it out, you'd better have the will of the deceased. It is most convenient to have a will, but even so, you may still have to pay a certain inheritance fee.
Third: I don't know the password, and I have no will.
If you are the sole heir of the deceased, you only need to go through the relevant formalities. But if you are not the only heir of the deceased, there may be a lot of disputes about the inheritance of this money, and there are often cases of family fights in the news because of the inheritance of property. If you are not the only heir of the deceased, according to the law, after the depositor dies, the legal heir has the right to withdraw the deposit in order to prove his identity, and should apply to the local notary office for the inheritance certificate, and the bank will handle the transfer or payment procedures accordingly. If the right to deposit inheritance is disputed, the people's court shall make a judgment.
Since then, the bank has ruled on the balance of the deceased's account with the judgment and ruling of the court. Not only bank card accounts, but also the inheritance of funds and stocks. After death, as long as you know the password, the money in the bank card can be freely withdrawn without any restrictions; If the bank card does not know the password after death, the cashier (usually the heir) can take the relevant information to the bank to withdraw money, and then can withdraw money smoothly.
Generally speaking, it will be more troublesome to withdraw money without knowing the password, but this is also considered by banks to protect the interests of depositors. At this time, it is best to consult the bank in advance to avoid the trouble of running back and forth. It should be noted that if there are multiple heirs, others may be required to issue a power of attorney.
There are many heirs after death. According to the law, the first heirs are spouses, children and parents. The second heirs are brothers and sisters, grandparents and grandparents; After the inheritance begins, the successor in the first order inherits, and the successor in the second order does not inherit. It should be noted that if a person has certain debts after death, the inheritance needs to be repaid first, and the inheritance can only be inherited if there is surplus.
It should be noted here that if there are no eligible heirs, the property will be turned over to the state treasury. If you want to inherit their deposits in the future, you must pass the judgment and ruling of the court.