Hi and welcome to JA. I am Ray and will be the expert helping you today.
I am so sorry you are having to go through all of this.
The banks would freeze the accounts if they are in his name.If you can add your name as named beneficiary or payable on death you can avoid this funds would pass to you.
Otherwise you will need a local probate
lawyer to make application for probate and to be appointed personal representative of his estate
This is court supervised here since there is no will or at least you do not state that there is one..
Once appointed here , you receive letters of administration from the court.These allow you to have access to funds to pay creditors, taxes, etc as part of estate administration.Expect the process to take about a year here start to finish.
Here is lawyer referral with ratings, plug in your city here in PA to get ones near you.
I would consider a lawyer now , make some calls , schedule an appointment.If the spouse here is able you can get the right of survivorship
forms from the bank, otherwise you need to start probate as soon as you can .
Thanks again.I appreciate the chance to help.I know that this can be so overwhelming.