亲人离世后，其名下的银行存款属于遗产，需依法继承。首先，继承人应前往公证处办理继承权公证书。通常需提供死亡证明、亲属关系证明（如户口本、结婚证、出生证明等）、所有法定继承人的身份证明及银行账户信息（如有）。若已知具体银行和账号，可直接向该银行申请查询；若不知账户信息，可凭公证书向多家银行逐一查询，或通过法院申请协助调查。根据《中国人民银行关于执行〈储蓄管理条例〉的若干规定》，银行在确认继承人身份并查验合法文件后，方可协助查询或支取存款。若存在多个继承人，一般需全体同意并共同办理，或由其中一人持其他继承人签署的放弃继承声明或授权委托书办理。特别提醒：切勿隐瞒其他继承人私自提取存款，否则可能承担法律责任。建议在处理过程中咨询专业律师或公证人员，确保程序合法合规，避免后续纠纷。
After a family member passes away, their bank deposits become part of their estate and must be handled according to inheritance laws. First, legal heirs should apply for an Inheritance Notarization Certificate at a notary public office. Required documents typically include the death certificate, proof of kinship (such as household registration records, marriage certificates, or birth certificates), identification documents of all statutory heirs, and any known bank account details.If the specific bank and account number are known, heirs can directly contact that bank to request information. If unknown, heirs may use the notarized certificate to inquire with multiple banks individually or seek court assistance to locate accounts.According to the People’s Bank of China’s guidelines on implementing the ‘Savings Management Regulations,’ banks may only disclose or release funds after verifying the heir’s identity and reviewing legally valid documentation. When multiple heirs exist, all usually need to consent jointly, or one heir may act on behalf of others with notarized waivers or power-of-attorney documents from the rest.Important reminder: Withdrawing funds without informing other rightful heirs may result in legal liability. It is advisable to consult a qualified lawyer or notary during this process to ensure compliance with legal procedures and prevent future disputes.
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