Yes, indeed but where I live is quite a large village and everyone would know I was deceased including the bank but yes seen other posts stating it is theft and fraud and how on earth can this be?
Yes, maybe probate but only want this to go to my wife.
Yes, why not take out the money from the ATM and like anywhere else in the world distant cousins come crawling out of the woodwork and when alive could no care less about you normally.