re: OT lawyers: estate/inheritance question

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that also listed daughter as an authorized user

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So is it a joint account? What is the legal ownership of the account? That's the big question.

If it's a joint account then, grandma and daughter are not married, it's treated as a gift from grandma to daughter, and daughter gets all the money.

If it's not a joint account, and daughter just had signature rights (for example, if grandma was unable to handle her own affairs), then the money belongs to the direct heirs in equal shares (i.e. daughter and son each get 20K). Since son is deceased, son's heirs (granddaughters) step into son's shoes.

End result, daughter gets 20, each granddaughter gets 10.

And for everyone reading this, get a damn will.