This question may sound dumb but I really wish someone helps me .. The thing is that my dad had opened a FD which matured 2 days back .. The FD was opened by 3 people ie me my mom and my dad .. my dad passed away last year .. Now when I went to redeem the FD they said they need a death certificate of my dad ( which is fine ) and they said since I dont have a savings account with them then they will make a DD payable in mine and my moms name ..Now, if they do this then how can I deposit this DD in my savings account with another bank ?? I mean since it will have both our names ( me and my moms ) so will I beable to deposit the DD in my savings account or hers ??