A solely owned bank account without an effective beneficiary generally goes through probate. A valid payable-on-death account, survivorship account, or properly titled trust account may transfer outside probate. The practical answer to bank account probate Ohio depends on the governing documents, the way each asset is titled, the family relationships, and what has already been filed. Probate decisions should be based on verified records rather than assumptions about what the deceased person probably intended. Whether an asset enters probate usually depends on title and the transfer instructions effective at death. A will controls probate property, but it normally does not override a valid beneficiary designation, survivorship provision, trust ownership, or…