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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
No here if you had access thees are considered jointly owned funds, either party has right of access.Under NY banking laws you were able to access the funds and close out the account.You were within your contractual rights to do so.The funds would no longer be part of the estate and passed outside probate by contact to you as joint owner.
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