Myself and my father opened a joint account in a scheduled bank with Either or Survivor basis. My father expired now. Bank fails to permit to operate the account exclusively by me but made with liminatation. My cheque sent to a party with my signature also returned by the bank stating as Signature difference but no records from the bank where I hold accounts.

My self and my father opened a joint account in a scheduled bank with Either or Survivor basis. My father expired now. Bank fails to permit to operate the account exclusively by me but made with liminatation. My cheque sent to a party with my signature also returned by the bank stating as Signature difference but no records from the bank where I hold accounts.

Hi Keerthi1680.

When this account was opened, you would have both had to have signed an agreement,you will also have been given a copy of this, you say that you father has expired now... do you mean passed away or no longer uses his side of the account?

IF your father has passed away( please accept my sincere condolences ) then you will have a death certificate.

You need to make an appointment at the bank to see the manager, which will enable you to produce valid proof:
1)... that you are an account holder, via your copy of the said account.

2)... that you hold the death certificate for your father, therefore releasing any liability, for any further activity, regarding the said account on his part, but also making yourself souly responsible for everything that in future concerns this account.

It would also be a good idea to take your own personal I.D.

I would imagine that ,as long as they are satified with the documents, they would close the initial account and re-open one purely in your name only.

Whether bank has any right to aport the balance for me and put remaining in the account locked.

Whether bank has any right to aport the balance for me and put remaining in the account locked.


Hi Keerth,

Not sure what your saying here... maybe querrying the balance that is in the account at the current time!


I would imagine that it would automatically be transferred to your new account... if that's the case.

However this joint account could be frozen,until such times when the legallities of probate or will etc... are sorted out.

If you are well known to the bank concerned, they may well take your fathers name off the account leaving you as the sole user, any monies there in, would be legally transferred to yourself, via a written letter... which will also ask for proof of your Fathers death, also your own I.D will be necessary... just proceeder, you normally are asked to visit the bank to produce these,the account will then be open to you.

First I suggest you indicate where you are from. I've never herard of a "scheduled" bank. I suspect this is not in the US, because there appears to be a language barrier here. Your post are not very easy to understand and its hard to help when we don't know what you are asking. So I suggest you take more care in forumulating your posts so we can help.