Answer

If the CD was in joint tenancy and your wife is the surviving joint tenant then all the bank should require is a death certificate and surviving joint tenant affidavit. All the affidavit needs to say is that on ________________, 19____ your wife and mother (name them) placed a certificate of deposit with _________________ Bank, account no. ______________, as joint tenant with right of survivorship. Affiant further states that _______________________ is the surviving joint tenant, ___________________ (mother) having died on ____________________, 2009. Your wife should sign and attach a certified copy of the death certificate. The bank should have this in a form. Keep calling. Ask to speak to the bank's general counsel. Good luck. I hope this is helpful. Loren Stone40138.2155357639