hat looks like a Will, says it is a Will, and feels like a Will, is not necessarily valid, nor the last Will or that there may not be creditors that come up out of the woodwork or taxes payable. The probate process is what is used to "prove" the document is in fact her last Will, there are no challanges to it, and any claims against the estate are adjudicated under court supervision.
If the account was solely in her name, it now is the property of her estate, and only the executor named in a Will after the appointment is confirmed by the probate court, or a Personal Representative of her estate designated by the probate court, has rights to the money. Further if the bank paid a beneficairy and any creditor did not get paid, or any Federal estate tax was not paid, the bank could be held liable to the creditors/tax authorities if it did anything else.
In some cases it is true an institution may waive the requirement that it be probated IF the beneficiary is the principal heir at law, all other possible heirs at law have signed waivers and authorizations to pay the money to the beneficiary, and have agreed to indemnify the bank should any claims be made. But that's the exception, rather than the rule for nationally operating institutions.
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