You may contact the bank to determine thier requirements.  If there is no beneficiary and no joint owner of the account, it should have to go through probate.  There is a simplified process if the account is less than $18,000.00.  If your father's estate qualifies for the simplified process,  take the death certificate and the paid reciepts from the funeral to the probate court in the county where he lived.  If you would like to discuss this matter in more detail, contact me at 586-868-5100.  John R. Tatone, Esq.