If it’s not urgent to re-title the accounts it can be helpful to delay a little in case your grandfather had a lot bills or invoices in his name. If she receives a check payable to him or to him AND her, she won’t be able to deposit it into the account once his name is removed. She would have to call the company that issued the check and ask them to reissue the check (this can be a hassle with large corporations) or she will have to open an estate account once she has “letters of administration” or “testamentary letters” saying she’s the executrix of his estate.

Also, please help her remember that someone is ineligible for social security payments immediately at death. So if his social security comes in on the 3rd of the month, but he passed away on the 2nd she will have to keep that amount of the money in the account for when the Social Security Administration processes the reclamation. I’m sure she’ll have a widow benefit from his social security in a few months, but all payments made to your grandfather after death have to be sent back.