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My understanding is that when talking to the bank, you will only be able to discuss accounts whereby your name is listed. Any other accounts where not listed, you are not able to discuss that information. Correct, beneficiary at banks is who is listed as POD. If no legal documents, just name is required. If bank account is associated with trust account, that requires more than just a name. Whoever is listed as POD is the person that is paid on death. One would think it is best to have same person for both, so more review with bank. Check all accounts and align, but can only discuss those accounts with uncle/elderly present, except in case where your name is listed on checking account, e.g. to pay monthly bills, etc. It takes time to sort it out but one would think if uncle is well enough to attend those meetings, that is worthwhile to complete full review. Good luck!
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My name was on my dad's checking and savings accounts. Legally the money went to me, regardless of his wishes. No money was mentioned in his will and the Judge/Court said it was mine.

However, I followed his wishes and after all the bills were paid, the monies were divided equally among all us siblings.
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My understanding is that if you are listed as a co-owner of the account, either one of you could take the money at any point, not only at his death. Not saying that you should or would, just saying that's how some are set up. But as others have suggested, you should ask the bank to be sure.
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Check with the bank. I have all my bank accounts set up as POD accounts. POD is abbreviated for paid on death. The money transfers to whoever is listed as the recipient once the bank rcv's a copy if the death certificate.
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Start by asking you question at the bank which some have their own rules
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