Is there any information leaflet setting out steps to be taken by the suriviving spouse in these stressful situations. I have in mind where the parties had a joint account in credit , online banking facility, direct debits and standing orders, ATM cards and cheque book. I know in years gone by some banks would in effect just delete the deceased name and allow accounts continue with same numbers etc. Nowadays if informed of the death i think banks would require the survivor open a new account with all the resultant hassle.