North Carolina: Mother died 3-28-01 had a bank loan that was auto drafted from checking account. Went to bank to stop auto draft 2 days after mother's death, told me were unable to do so until they received a copy of the death certificate. Did not receive death certificate until 4-30-01. Account was drafted for loan payment on 4-23-01. I am requesting that the bank refund the payment to her estate but they are refusing. I feel that they should refund money to estate and make a claim against her estate just like all her other creditors, they have no more right that any of her other creditors to receive payment until all claims are made. Am I right?