I am a California attorney so my answer may not be applicable in your state. If it really is just a POD (or death beneficiary designation of some kind) then you should not need any letter, any Court filing or anything else! I suggest you talk to someone else, in a higher position, at the bank! Good luck to you. -John
IRAs are generally not controlled by a will or probate. The bank wants you to subdivide the IRA between beneficiaries so you can each use your actuarial life expectancy to calculate your annual payouts. This is a routine matter that should be handled without probate involvement. Talk to another person at the bank until you get this matter resolved. Be careful as you do not want them to make a mistake and inadvertently make a fully taxable distribution to any of you.
As to Clark County, you need to retain an experienced estate planning attorney in that area. Once retained he or she can help you with probating the will and resolving the above IRA issues.
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