Sometimes. Joint accounts pass immediately to the surviving owner. Accounts under $25,000-$50,000 may be released with a notarized declaration. But significant sole-owner accounts are usually frozen until you have the grant of probate.
What you CAN access without probate:
- Joint accounts: Pass automatically to surviving owner. Just bring a death certificate.
- Small accounts: Many banks release amounts under their threshold ($25,000-$50,000) with a death certificate and notarized indemnity.
- Funeral costs: Some banks release limited funds for funeral expenses with a funeral home invoice.
What you usually CAN'T access:
- Sole-owner accounts over the bank's threshold
- Investment accounts
- Safety deposit boxes (though some banks allow access with a notary present)
What to do
- Visit each bank with the death certificate and your ID
- Ask: "What's your policy for releasing funds before probate?"
- Ask about their specific threshold amount
- Complete whatever forms they require
Every bank has different policies. It's worth asking – you might get access sooner than expected.
Return to the Complete BC Probate Guide →
Frequently asked questions
What if I need money for funeral costs?
Many banks will release funds specifically for funeral costs with a death certificate and funeral home invoice, even before probate. Ask the bank about their policy.
Can I use the deceased's debit card?
No. Using the deceased's cards or accounts without authorization is potentially fraudulent, even if you're the executor. Wait for proper access.