When someone passes away, their bank accounts are often frozen. This can be confusing for families.
Below is a simple explanation, written in an easy WordPress-friendly format.
Quick Answer
When a person dies, their bank accounts are usually frozen.
The money cannot be used until probate rules are followed.
Why Are Bank Accounts Frozen?
Banks freeze accounts to:
- Protect the money
- Prevent unauthorized spending
- Make sure debts are paid correctly
- Follow Arizona probate laws
This is normal during probate.
Who Can Access the Money?
Usually, no one can access the funds right away.
Only the court-appointed executor or personal representative may access the money.
They must give legal documents to the bank.
What Bills Can Be Paid During Probate?
Once approved, estate money may be used for:
- Funeral costs
- Mortgage payments
- Utility bills
- Property taxes
- Basic home upkeep
All payments must benefit the estate.
How Long Are Accounts Frozen?
Accounts stay frozen until:
- An executor is appointed
- The bank receives court papers
- Probate rules are followed
This may take weeks or months.
What About Joint Bank Accounts?
Joint accounts are different.
If there is a surviving owner, the account may not be frozen.
The bank will still review it.
How This Affects Selling a Home
Frozen bank accounts can make it harder to:
- Pay for repairs
- Keep utilities on
- Maintain the home
Because of this, many probate homes in Oro Valley are sold as-is.
Selling a Probate Property in Oro Valley
A local realtor with probate experience can help avoid delays.
They can guide you through selling while probate is ongoing.
Talk to a Local Probate Realtor
Ryan Comstock
Ryan Comstock helps families sell probate properties in Oro Valley and the Tucson area.
📞 Phone: 520-261-4669
🌐 Website: www.ryancomstock.com
📧 Email: ryancomstock@ryancomstock.com
Simple Takeaway
Bank accounts are frozen during probate to protect the estate. Access is limited until the court approves an executor.
If you need help with a probate home in Oro Valley, contact Ryan Comstock for clear, local guidance.