People die suddenly, but there are 500,000 deposits in the bank no one knows, will the bank notify the family?
The greatest tragedy of life is that people are gone, and the money is still there.
Many people have worked hard all their lives in order to live a good life and find a guarantee for their families. However, due to various reasons, such as accidents, illnesses, etc., sudden death may occur, which makes people feel sorry but also brings a real problem.
If a person dies suddenly, he deposited 500,000 yuan in the bank, and did not tell others before, will the bank take the initiative to notify the family to withdraw money?
For this problem, many people feel that banks should take the initiative to notify out of subjective feelings. Because the money is the depositor's, the depositor chooses to deposit the money in your bank, your bank must also do a good job, the depositor died suddenly, the bank does not take the initiative to notify the family, then the family will not know the money, which means that the depositor and the family will suffer economic losses.
However, many things cannot be judged by our subjective feelings. If the bank is to take the initiative to notify, then there are at least two problems that are difficult to solve.
First, how do banks know that their depositors have passed away, if you want to know, this requires the bank to network with the public security system and monitor in real time, otherwise it is impossible to rely on people.
2, the depositor died, the deposit he left behind belongs to the inheritance, the disposal of the inheritance is strictly stipulated in law, who should the bank notify the depositor? This bank is not easy to decide.
In reality, the bank will not take the initiative to notify the family, of course, if the family does not know, the final money will not go to the bank, but to the state.
Therefore, the best way is for depositors to tell their families about their bank account numbers, deposit amounts and withdrawal passwords before they die, and if necessary, they can withdraw the money before they die and distribute it according to their own ideas.
But as we said earlier, it was a sudden death, which also meant that I didn't think that I would suddenly be gone, so it was also difficult to prepare.
If something like this happens, what should I do to get the money? Generally speaking, the following 3 steps are required.
First of all, the family members have to go to the public security bureau to go through the formalities of deregistration, and then, the family members take the death certificate, household registration book and IDENTITy card, and find a notary office to notarize it to prove their relationship with the deceased. Then take the certificate to the bank to check what bank had opened an account in the name of the deceased, how many deposits were made, obtain the deposit details, and then return to the notary office for follow-up procedures.
If the first heir of the deceased is only one person, it is very simple that the deposit will go directly to this person, but there may be several cases of first heirs, and according to the Inheritance Law, the first heir is the spouse, child, parent. In this case, all the first heirs need to go to the notary office together to go through the relevant procedures. At this time, the notary office should be clearly informed of the specific business handled for the depositor's money, whether it is withdrawn cash or transferred.
Finally, take the notarial certificate of the notary office, bring the death certificate and other information to the bank to handle the relevant procedures.
It should also be noted that a handling fee is required to be notarized at a notary office, and if there are multiple heirs, it is recommended to determine the proportion of the handling fee in advance, as well as the distribution method of the depositor's deposit.
It can be seen that if the depositor dies suddenly, it is still very troublesome for the family to withdraw the depositor's money, of course, this is also to protect the rights and interests of the depositor and prevent unnecessary disputes.