It depends on what type of account you held together jointly. If the funds are in a deposit account, they won’t be included as part of the Estate. This means you’ll still be able to access them as the surviving account holder. 

If the joint account was a Credit Card, personal Loan, home loan, business, or investment loan, other debt repayment arrangements may need to be made. You can contact Customer Support on 07 3135 3525 (Mon-Fri, 9am-5pm AEST) or email them to find out more information.