Heirs cannot access the deceased's bank balances simply by obtaining a death certificate.
Steps
The process begins with proving the death and establishing the legal status of the heirs, such as through a certificate of inheritance.
Then, each bank must be dealt with according to the required legal documents and procedures for disclosure and settlement.
If the family is unaware of the banks the deceased dealt with, they must utilize the available legal and official channels instead of attempting to obtain information from an employee or an unauthorized relative.
Banks will not disclose account details to anyone merely because of a familial relationship.