<prompt> Human: My younger sister 21, unmarried, no dependants recently died in a tragic car accident this past Friday, and the bank heard about the accident that morning through word of mouth, and froze the account that morning even though she was not legally dead until around 730 pm that evening. Now because she was only 21 she obviously had no will in place and all that. My mom is trying to figure out what to do with that, because she has payments on the house she owns and things like that, things that my mom cant pay for. Ive read some on what happens to bank accounts on death, and it states that only the executioner of will can legally freeze a bank account. Now, as I stated, the bank froze the account before she was pronounced dead, and my mom has called the bank to see what to do about it, and they basically told her that her name was immediately taken off the account she was a signer on it not an owner, and she wont have access to it ever. Weve talked to some people, and because we did have two life insurance policies on my sister, one from my grandma, and one from my aunt who bought it with the money from my fathers life insurance policy, and my mom is the beneficiary of those. Theyve told us to take the funeral bill to the bank and use what money was in there to pay that part off and use the amount from the life insurance to pay off the bills that she has that we are unable to pay or get canceled.I guess the question Im actually going for is, are we doing this right? Is there a better way to go about it? Im trying to alleviate all the stress of this off my mother because shes still pretty wrecked about it, but I know that it needs to be taken of now.EDIT: Sorry for bad formatting, Im on mobile and dont really have time to care about it.  <response>: Find a lawyer, the lawyer will draft a letter to the bank. Any surviving parent will get the money after a 30-day waiting period. So in the meanwhile, borrow money to cover the bills for now. 