What many survivors don't realize is that a death certificate and will are often not enough when it comes to getting funds held by someone who died. The will has to be approved by Probate Court.
In this case it took almost two years for her mom's will to go through probate. By that time, the $200 checking account was empty. Actually, it was below empty, as overdraft fees had put it into the negative.
It turns out Sullivan's mom was hit with monthly maintenance fees, because it was below the minimum threshold for free checking at Fifth Third Bank.
"They took $11 every month," she said. "We could not touch the account but they were taking $11 out every single month until it overdrafted."
Warning to anyone with inactive accounts
This is important not only if you have older parents, but also if you have young children with a bank account in their name.
If you don't touch that account for a while, money can be taken out every month until its drained.
After two years of inactivity, accounts are considered "dormant" in most states, and many banks will then turn the money over to the state's unclaimed funds division if they cannot reach you.
But this account had not yet reached the two-year cutoff.
How to protect yourself
So don't let this happen to you.
Find out what it takes to avoid monthly fees in a seldom used bank account. Different banks have different rules.
If you are older, fill out a "Payable on Death"(POD) form.
A POD allows a survivor to the get the money immediately, for funeral expenses and anything else, with just a death certificate.
Kelly Sullivan understands, but says "they could have done something to stop it, the fees coming out, since they had known she had passed away."
A Fifth Third Bank spokeswoman told 9 On Your Side she will see if the bank can help out this late in the process, even though it appears to have done everything by the book.
Kelly just wants a little compassion. "This was my mom's rightful money," she said.
The bottom line
Fifth Third did nothing wrong, and branch managers were simply following its policies and probate law.