Estate Law Questions? Ask an Estate Lawyer.
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When you say "put her on the account" do you mean that she added her as just an authorized signer or that she actually added her to the account as a joint owner?
Who are listed on the account as owners...mother and granddaughter?
Ok, then you are going to need to check with the bank to see if granddaughter is listed as a "joint owner" or not. If she is, then she would be correct that she would own the account and any assets in it. When there are two joint owners on a bank account, when one passes, their ownership interest extinguishes and the surviving owner becomes the sole owner of the account and anything in it.
This is used as an estate planning technique to transfer assets without them having to go through probate.
But if she was just a signer or authorized user, then that account would just go into her estate to be distributed with any other assets..
So you need to contact the bank and ask them if this was a joint account or not.
Ok then check tomorrow. Since they are closed today, she couldn't do anything with the account anyway if she wasn't authorized to do so.