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Closing deceased’s accounts

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Sorry for so many questions. Mum had 4 separate savings accounts with one particular bank and 2 separate savings accounts with another bank. Of these 6 accounts some had less than £25k but adding each banks total she had more than £50k in each bank. Do the banks look at the total funds held with them or just the individual accounts therefore possibly releasing some of the account funds immediately without a letter of confirmation?

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