here

don't know too much about Canada. but according to NY law, joint bank account is not subject to surrogate, because normally right of suvivorship attaches to the joint bank account. if one party died, the surviving party gets whole automatically. so even your hu*****and has a will, does not matter. (also in NY by statute, a spouse cannot completely disinherit the other spouse;but a spouse can completely disinherit his children.)

talk to the bank and ask them whether the surviving party has the right of survivorship.

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