I strongly suggeset for the sake of your family to not have a series of accounts at separate institutions. People get old, they get dementia, they have heart attacks, people move, etc. It's not like banks are reading the obituaries and are hunting down next of kin if there's no activity on an account. It's not like your family is going to send your death certificate to every bank and credit union that existed during your lifetime. It becomes an even bigger mess if the money is in a trust account that has been sitting at a bank in a retail product that predates their current trust systems that were opened by a bank that they acquired. The money just sits there.