I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all. 
