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Hi, a Will is only valid if it is signed by the Testator and witnessed by 2 people.
So, no Bank or other institution will accept the piece of paper which has been signed by the Testator alone.
If there is no document which has been signed and witnessed by 2 people, then there is no Will and the Estate will need to be administered under the Rules of Intestacy (the rules relating to an Estate where the deceased did not leave a Will).
I hope this assists and if so, I would be grateful if you could rate my answer with 3-5 stars.
Well, if you are concerned and there was an earlier valid Will, the Executor should apply for Probate asap or apply for Letters of Administration if there was no valid Will.
When granted, this is official confirmation that the person has the right to deal with the Estate and which document the Banks etc will want to see before any account is closed.
Kind Regards Al