Some people fear that upon their death, their financial assets will be "frozen," and therefore unavailable to family members. This is not the case in Texas. Banks are authorized to continue to honor checks drawn on, and withdrawals made from, accounts by any signer on the account, even if the other account holder is deceased. Therefore, it is not necessary to use a survivorship feature on an account to maintain access to the account after death. Convenience or co-tenant accounts accomplish the same result without interfering with your estate plan.