121 When one party of a bank account jointholder passed on, can the other party make withdrawal?

When one party of a bank account jointholder passed on, can the other party make withdrawal?	聯名開戶頭1人離世 另一方能提款嗎？
The title is actually a reporting published in ChinaPress (21/2/2017). The reporter is responding to a online rumour that when one party of a bank account jointholder passed on, the left-behind party cannot automatically inherit the money.	“聯名開戶頭1人離世 另一方能提款嗎？”是刊登在中国报（21/2/2017）的一则报道。记者是根据网上谣传关于当银行户头的某方逝世时、另一方无法自动继承存款的问题，而想几间银行进行访问。
I believe many of us do not know the answer for sure. Just that elderly parents will normally open jointholder account with their children, to play safe. Well, if it can be inherit automatically, what should we do then? This we need to find out.	我相信很多人其实也不是很肯定答案。只是一般上的年长者都会与子女开设联名户头以防万一。如果真的生存方无法自动继承存款，哪又要怎么办呢？这确实也是我们必须了解的。
The reporter found out the answer depends solely on the decision made during account opening time—is it to be operated by a single party or both parties. If it is single party, the other party has to inform the bank together with supporting documents such as both NRICs, certificate of death, and signing a letter of indemnity. In this case, the account should belongs to left-behind party in a week time.	记者的访问结果是—能与否完全视乎开户时是选择单方或双方操作户头为准。若是单方即可领款的情况，那生存方必须通知银行并附上双方身份证、死亡证书、签署免责声明书，一般上在一个星期即可由生存方继承存款。
In the case of both parties to operate, then it depends on whether a Wills is available or not. Regardless of the availability, the account will be freeze until Letter of Administration or Grant of Probate is produced.	若是选择了双方签名方可领款的情况呢，那就得依据是否有遗嘱的情况而定了。在这个情况下，户头将被冻结直到家属完成遗嘱认证书或财产分配执行书。
The report also analysed situation with a Will is easier and faster than a situation where Will is not written. Therefore, a proper distribution instruction is definitely necessary. Although we may think having single party to operate may work just fine, we must remember one may have not only bank accounts. He could have a house, car, various investments, heirloom that need to be distributed.	报道也有分析有遗嘱的情况下的程序要较没有遗嘱的情况简单以及省时。所以妥善安排分配是绝对重要的。虽然说单方可操作户头的安排似乎已经挺妥善了，但我们还是必须考量到一个人可能不仅仅只有银行户头罢了。他可能还有屋子、车子、投资、家传之宝等等的财产需要分配。
So, let's make proper instruction. After all, we want our loved ones to enjoys our hard-earned assets, and not let them be frozen or become unclaimed assets.	让我们好好的安排我们的财产。毕竟我们要辛辛苦苦赚来的财产让挚亲拥有，而不是财产被冻结或是变成无人认领。