Thanks for your question. I will try to help.
If two people hold money in a joint account in both of their names, then upon death of the first to die it would pass to the other remaining owner.
However, in order to get the account changed from both names to one name only you would have to produce a copy of the death certificate to the bank, so that they have evidence that one of the joint owners has deceased so that they will then change the account in to one name only.
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