Why is that important? Perhaps you have cash and/or other property in your safe deposit box that you prefer to keep private. In the alternative, once an Executor/Executrix or Administrator(rix) is appointed by the County Surrogate, the Estate representative can have unrestricted access to the contents of the safe deposit box without the presence of a bank representative. No personal property or physical contents can be removed from the box and a bank representative will be present during this process. When accompanied by a bank representative, a family member can retrieve important papers like your Last Will and Testament, Living Trust, Social Security information, Life Insurance policies, etc. Of course, family members need to know where the key is, which is another issue.

In the case of my bank, I learned that upon my death an immediate family member can gain access to my box, if they obtain a copy of my death certificate. I encourage you to personally call and ask your bank manager for their policy. Most banks in New Jersey have a policy regarding access to a safe deposit box upon the death of the owner. I want to avoid similar problems for my Estate, so I decided to research the subject further. I have heard of horror stories by family members when trying to access a deceased family member’s box. I have recently investigated my bank’s policy regarding access to my safe deposit box upon my death. Knowing your Bank’s policy will ensure easier access to your safe deposit box upon your death.Banks in New Jersey have a policy regarding access to a safe deposit box upon the death of the owner.

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