Depending on the amount of money involved, you may be able to use a small estate proceeding for your sister's portion. That would avoid the need for probate. You should visit with a probate lawyer to determine if this will work. If your sister was a resident of NC, then you would want to discuss this with an NC attorney. See here for more information: www.nccourts.org/forms/documents/735.pdf
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A POD account is not usually governed by the will. If your sister survived you, she is entitled to a share of the account which automatically vested in the three beneficiaries at the death of your father. The bank should pay you your share and hold your sister's share until her estate is opened. Consult an attorney for help.
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The terms of the will have no bearing on the P.O.D. account. Unless the beneficiaries of the P.O.D. account were joint beneficiaries, the bank can require that your deceased sister's estate be probated. This is not as daunting as it sounds, as you may be able to do this by a small estate affidavit and conduct the whole process by mail.
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Your question doesn't identify what county in North Carolina you are needing to deal with. If you want to provide that information, I can probably give you a contact here in NC or you might want to use the "find a lawyer" tab here on Avvo to locate an attorney in the county you are dealing with. I doubt that you would have to personally appear but in any event it sounds like you need to talk with an NC lawyer.
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I take it that your predeceased sister lived in N. Carolina. I'm not sure why the bank can't at least release 1/3 of the funds to you and 1/3 to your living sister and hold the remaining 1/3 until your sister's estate rep provides the bank letters of administration. Have you requested that option? If there's a lot of money at stake, it seems like it would be worth it to probate your sister's estate even if it means making trips there. Didn't anyone start that process after she died? Anyhow, if there's enough money at stake, that's a good reason.
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