My grams recently passed away. She left myself, my sister, my mom and my uncle each an IRA. The IRAs were all Payable on Death to one of us. We have found no will to date. My mother contacted an accountant for advice and was told that there were a lot of legal hoops to jump through before any of us can access this money- some of those being posting a bond; proving all taxes have been paid; proving all outstanding bills have been paid; etc.. What do we have to do? We thought we'd just bring a death certificate to the bank and go from there. In my case, I don't want to withdraw any money- but I'd imagine that some sort of ownership change is required. Please help- we're upset enough about the loss. We don't know what to do now and know my grams would have done everything necessary to make this pain-free.