(1)
You have to prepare a will, this will solve a lot of problems.

(2)
If still in the middle of preparing the will, then to get your FD joint name with another person (I think up to 4 names
in total) that you trust, and instruct the bank to put the FD account either one to sign.

If anything happens, don't make the condolence on the newspaper, then banks will not know the death
news and they will not freeze the accounts (FD, saving, current).

(3)
If no will, then go to Amanah Raya, they charge few % from the total value of the assets, but will cheaper than hire
a lawyer.

Another option is Pusaka (land office), they will charge cheaper than Amanah Raya, but you will need to spend
time to go back and forth for paper work.

The best solution is (1)

But for EPF, you have to put the beneficiary name, EPF claims that they do not honor will  --> This is our Bolehland...