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Did she have a will? It may not be yours. If there is a will, it has to be probated and the named executor appointed. If there is no will, then an administrator from among the appropriate heirs has to be appointed. The executor/administrator receives documents from the probate court attesting to that person's authority to act for the estate. The executor/administrator takes those documents and a death certificate (and any other things the bank wants) to the bank and arranges to withdraw some or all the funds. The bank will issue a check payable to the estate of your mother not to you or anyone else directly.

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Q: Your mother died and she had a checking account but there was no one name on it but hers what do you do to get the money out of the bank?
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