POD Bank Accounts

Payable-on-death (POD) bank accounts can be marvelous estate planning tools. For a cost of exactly nothing, you can add POD beneficiaries to your bank accounts and CDs.  A POD payee inherits whatever money is in the account at your death and doesn't have to go through probate to claimit--all that's required is showing up at the bank with a death certificate and identification.  

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