If a child is 11 or under and a Custodian/Adult on the account becomes deceased, the funds will NOT form part of the Estate and will be held in the child’s account. A hold will be placed on the account to limit access until the Custodian/Adult is replaced on the account. If the child is 12 or over, the deceased custodian/adult will be removed from the account and the child will become the primary account holder.