Thank you! Yes, I had a feeling I did it incorrectly in 2023 (probably one of many errors I did during that period).
I'm mailing the letter of intent, death certificate, and transfer instructions to the bank, after which the money will be transferred to me (as the sole beneficiary). This is for sure my oversight that has lingered for over a year, but I'm actually surprised the bank didn't catch this.
I'll do as you suggested and report the 2024 interest on my return as interest income and check the box that I didn't receive a 1099.
Thank you kindly for your time and expertise! Much appreciated!
