How do I tell if a bank account belongs to the estate or a co-owner? | NC

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Q: How do I figure out whether money in a bank account belongs to the estate or belongs to someone listed on the account? A: The main thing to check is how the account is legally titled in the bank’s own paperwork—plus any payable on death beneficiary form—not what the will says and not who used the account day to day... Start by getting the account-opening records from the bank, especially the…