Answer:
On a sole owner account, any authority to debit the account died with the account holder and the account immediately became a part of the descendant's estate, so yes, the estate representative has full authority to make a claim.
Checks or debits presented after death
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Question:
When a decedent's checking account is debited after the death date, possibly with an unauthorized charge, can the estate present a valid claim to the bank with a copy of the death certificate as proof of authority? This is a sole account, not a joint account. The estate has debtors owed and a minor heir if that matters.
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