Should a bank account of the deceased person be closed immediately upon death? First off is we would need to determine whether or not as a joint account, if it’s a joint account, particularly between husband and wife, I do not suggest that it be closed immediately. The reason for that is if a check comes in payable to the decedent, you need to have some place to deposit it so that you wouldn’t have to go through a probate proceeding in order to cash the check. If however, the account is just in the decedent’s name, I suggest that you may want to deliver a death certificate to the bank and ask them to freeze the account. You would then need to go through a probate proceeding in order to close the account and collect the proceeds. So if you have any questions about how to collect the money from a decedents bank account, give me a call at 727) 847-2288.