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192				<article id="post-1504" class="posts-entry fbox post-1504 post type-post status-publish format-standard hentry category-minnesota-probate tag-apple-valley tag-burnsville tag-dakota-county tag-eagan tag-farmington tag-goodhue-county tag-hennepin-county tag-inver-grove-heights tag-lakeville tag-minnesota-probate-2 tag-mn-estate tag-ramsey-county tag-rosmount tag-st-paul">
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194		<h1 class="entry-title">Collecting an Inheritance from a Deceased Person&#8217;s CD Account in Minnesota</h1>		<div class="entry-meta">
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199						<span class="posted-on">Posted on <a href="https://www.minnesotaestateplanningblog.com/collecting-an-inheritance-from-a-deceased-persons-cd-account-in-minnesota/" rel="bookmark"><time class="entry-date published updated" datetime="2026-02-24T20:13:19+00:00">February 24, 2026</time></a></span><span class="byline"> by <span class="author vcard"><a class="url fn n" href="https://www.minnesotaestateplanningblog.com/author/admin/">Flanders Law Firm LLC</a></span></span>					</div>
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206		<h2><a href="https://www.minnesotaestateplanningblog.com/wp-content/uploads/2026/02/Collecting-an-Inheritance-from-a-Deceased-Persons-CD-Account-in-Minnesota.jpg"><img fetchpriority="high" decoding="async" class="alignright size-full wp-image-1505" src="https://www.minnesotaestateplanningblog.com/wp-content/uploads/2026/02/Collecting-an-Inheritance-from-a-Deceased-Persons-CD-Account-in-Minnesota.jpg" alt="" width="300" height="225" /></a>Collecting an Inheritance from a Deceased Person&#8217;s CD Account in Minnesota</h2>
207<p>When a loved one passes away, collecting an <a href="https://www.minnesotaestateplanningblog.com/minnesota-requirement-to-probate-a-will/">inheritance</a> from their Certificate of Deposit (CD) account can be a significant financial concern for beneficiaries and heirs. Understanding Minnesota probate law and the necessary steps can streamline the process and help ensure that inheritances are properly distributed. This article outlines the steps you must take to collect an inheritance from a deceased person&#8217;s CD account, relevant statutes, and when legal assistance may be required.</p>
208<h3>Understanding Beneficiaries and Heirs</h3>
209<p>In Minnesota, when an individual passes away, their assets can be distributed according to their will, or, in the absence of a will, according to state law. Here’s how this process works concerning CD accounts:</p>
210<ul>
211<li><strong>Beneficiaries</strong>: If the deceased person designated beneficiaries for the CD account, the funds may be released directly to those beneficiaries without going through probate.</li>
212<li><strong>Heirs</strong>: If there are no designated beneficiaries, the estate’s assets, including the CD, will be treated according to intestacy laws under <strong>Minnesota Statutes §524.2-101 to §524.2-117</strong>. This means the funds will be distributed according to the hierarchy of heirs defined by Minnesota law.</li>
213</ul>
214<h3>Steps to Collecting an Inheritance from a CD Account</h3>
215<h4>1. <strong>Contact the Financial Institution</strong></h4>
216<p>The first step is to reach out to the financial institution holding the CD account. You will need to provide:</p>
217<ul>
218<li>The deceased person&#8217;s name</li>
219<li>The account number (if available)</li>
220<li>A copy of the death certificate</li>
221</ul>
222<p>The financial institution can provide details about whether the account had beneficiaries and what documentation is needed to proceed.</p>
223<h4>2. <strong>Review the CD Terms</strong></h4>
224<p>Understanding the terms of the CD is crucial. Many CDs have specific clauses regarding the release of funds upon the account holder&#8217;s death. Familiarize yourself with these terms, including any penalties for early withdrawal if applicable.</p>
225<h4>3. <strong>Assess the Need for Probate</strong></h4>
226<p>If the deceased did not <a href="https://minnesotaprobatelawfirm.com/understanding-probate-creditor-claims-in-minnesota/">designate beneficiaries</a>:</p>
227<ul>
228<li>It is likely that probate proceedings will need to be initiated in the county where the deceased lived at the time of their death. The relevant probate statutes can be found in <strong>Minnesota Statutes Chapter 524</strong>, particularly <strong>§524.3-101</strong>, which governs the initiation of probate proceedings.</li>
229</ul>
230<h4>4. <strong>Start the Probate Process</strong></h4>
231<p>To start probate, you’ll need to file a petition with the probate court. This generally involves the following steps:</p>
232<ul>
233<li>Gather necessary documentation (death certificate, will if available, and identification)</li>
234<li>Complete and file the probate forms</li>
235<li>Notify heirs and creditors of the probate proceedings</li>
236</ul>
237<p>If there are disputes or complications, it may be advisable to consult with a probate attorney.</p>
238<h3>Legal Assistance</h3>
239<p>Navigating probate law can be complex and time-consuming, especially when dealing with various statutes and potential disputes among heirs. If you have questions about the process or need help with probate proceedings, contacting a Minnesota probate attorney can be invaluable.</p>
240<p>Joseph M. Flanders at the Flanders Law Firm is an experienced attorney in <a href="http://flanderslawfirm.com">Minnesota probate law</a>. For inquiries, you can reach out to him directly at <strong>612-424-0398</strong>.</p>
241<h3>Conclusion</h3>
242<p>Collecting an inheritance from a deceased person&#8217;s CD account in Minnesota involves understanding both the financial institution&#8217;s policies and the applicable probate laws. Whether the funds go directly to beneficiaries or fall under the estate for distribution among heirs, knowing the proper steps and legal requirements can save time and frustration. Always consider seeking legal guidance to navigate the complexities surrounding estate matters effectively.</p>
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344					<a href="https://www.minnesotaestateplanningblog.com/the-imporant-of-updating-your-wills-in-minnesota/">The Importance of Updating Your Wills in Minnesota</a>
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350					<a href="https://www.minnesotaestateplanningblog.com/how-to-start-a-probate-in-minnesota/">How to Start a Probate in Minnesota</a>
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