What to do when an estate administrator closes a joint bank account without telling heirs
Disclaimer: This information is for educational purposes only and is not legal advice. If you need legal advice about a specific situation, consult a licensed Kansas attorney.
Detailed answer — how Kansas law treats joint accounts and an administrator’s duties
Kansas law generally treats the handling of a decedent’s assets as a matter for probate and for the personal representative (executor or administrator) appointed by the probate court. Joint bank accounts may pass to the surviving joint owner by right of survivorship, or the funds may be part of the decedent’s probate estate depending on how the account was titled and the account agreement with the bank. The probate code and the court supervising the estate set the administrator’s duties, required notices, and the remedies available if an administrator mishandles funds.
The rules that control these issues are found in the Kansas probate statutes (Chapter 59). See the Kansas statutes for probate at the Kansas Revisor website: Kansas Statutes, Chapter 59 (Probate).
Key legal concepts to understand
- Account ownership vs. probate property: A properly titled joint account with right of survivorship often passes directly to the surviving joint owner and may not be estate property. Whether that happened depends on account title language and the bank’s records.
- Administrator powers: A court-appointed administrator has statutory duties and must act in the estate’s best interest. That includes providing accountings and following court orders. The probate court can supervise, review, and correct administrator conduct. See Chapter 59 for probate procedures: K.S.A. Ch. 59.
- Notice obligations: Administrators must provide notice to interested persons and creditors as required by the probate code and court rules. Interested persons usually include heirs, beneficiaries, and devisees. If an administrator took control of funds without required notice or court authorization, affected heirs may have remedies in probate court.
Typical remedies available in Kansas
- Petition for an accounting: Ask the probate court to order the administrator to produce records showing what was done with the account funds.
- Motion for turnover or return of property: If funds were wrongfully taken from a survivor or beneficiaries, the court can order funds returned.
- Temporary relief: You can seek an emergency order (temporary restraining order or injunction) to prevent dissipation of assets while the court considers the dispute.
- Removal and surcharge: If the administrator breached fiduciary duties or misused funds, heirs can ask the court to remove the administrator and impose a surcharge (financial penalty) for losses.
- Civil claims outside probate: In some cases, heirs can pursue claims like conversion or unjust enrichment against the administrator or even the bank (if the bank knowingly released funds improperly). Small-dollar disputes might be handled in small claims court if probate remedies are insufficient.
Practical step-by-step plan to challenge the closing
- Act quickly. Time matters. Preservation of records and funds is critical if assets are being moved or spent.
- Document what you have. Gather the decedent’s will (if any), bank statements, copies of the account title and signature card, the death certificate, any communications from the bank, and any letters or documents the administrator provided (like Letters of Administration or Letters Testamentary).
- Contact the bank in writing. Request a complete transaction history for the account and ask for copies of the bank’s account agreement and any paperwork the administrator provided to the bank. Ask the bank whether it paid out funds and to what account. Keep all bank responses.
- Contact the probate court clerk. Confirm whether an estate case exists and whether someone has been appointed administrator. Request the court file and any filings. Kansas probate rules and local procedures vary; the court clerk can tell you how to file an emergency motion or request copies of documents in the case. See general probate resources at the Kansas Judicial Branch: Kansas Judicial Branch.
- File motions in probate court. Common filings are a motion to compel accounting, a petition for return/turnover of funds, and a motion for temporary injunctive relief to preserve assets. If you fear the administrator will dissipate funds, ask the court for immediate protective relief.
- Consider removal and surcharge proceedings. If you can show the administrator breached duties, you can ask the court to remove the administrator and seek a surcharge for losses. The court will evaluate whether the administrator acted reasonably and in good faith.
- Preserve alternative civil remedies. Keep records and consider claims such as conversion, breach of fiduciary duty, or unjust enrichment. These may be pursued in or out of probate depending on the situation and the amounts involved.
- Get legal help. Probate litigation can be technical. If funds are substantial or the facts are contested, consult a Kansas probate attorney quickly. If you cannot afford a lawyer, ask the court about pro bono resources or local legal aid organizations.
What the court will consider
The probate court will look at:
- How the account was titled and whether survivorship rights applied.
- Whether the administrator was properly appointed by the court and had a lawful right to access the account.
- Whether proper notice was given to interested persons as required under Kansas probate rules.
- Whether the administrator followed court orders and statutory duties while handling estate assets.
Timelines and urgency
There are no one-size-fits-all deadlines for contesting administrator conduct, but acting fast protects evidence and assets. Probate courts can provide emergency relief if you show a real risk of asset loss. If you delay, funds may be spent and recovery may become harder.
When to consult an attorney
Talk with a Kansas probate attorney if:
- The amount at issue is significant.
- The administrator refuses to provide records or cooperate.
- There are complex title, tax, or creditor issues.
- You need emergency court orders to stop dissipation of assets.
Helpful hints
- Keep a paper trail: save all emails, letters, and bank statements.
- Ask for transaction records in writing from the bank; banks often keep statements and signature cards that show how the account was titled.
- Confirm whether the account was “joint with right of survivorship” or a payable-on-death (POD) account — the label matters.
- Check the probate docket at the county court where the decedent lived to see whether someone already opened an estate and whether the administrator has filed inventories or accountings.
- Request a hearing as soon as possible if you fear funds will disappear.
- If the administrator is a family member, try a written, calm request for an accounting before filing court papers — courts sometimes resolve these disputes quickly if the administrator cooperates.
- Be mindful of costs: small disputes might be resolved through mediation or small claims rather than full probate litigation.