she would have specified somene as a nominee in her bank account.only they will be able to acess the account.read this
When Nomination is registered with the bank, the nominee can apply to the Bank, giving full details of the accounts of the deceased depositor. On receipt of the claim from the nominee, the branch will verify the photocopy with the original Death Certificate, Nomination number as registered in CBS, Nomination register.
Signatures of two witnesses of good standing and integrity who are acceptable to the Bank should also be provided on the application. The witness can be any of the following:
Magistrate or Judicial official
Any Officer of the Central / State Government or Any Officer of the Bank.
Any two persons acceptable to the Bank.