closure of the deceased bank account

Can't Avoid Negative balance.

Have to Pay for "Ceremony"

RIP account 😞 

If there is a nominee in the a/c transfer that to the nominee after submitting nominee's identities.

If there is a -ve balance  ignore or else own the liabilities if you are a heir to the assets.

If no nominee , submit a legal heir certificate and identity proof to the bank

Just submit a death certificate and the account is closed if the balance is 0.

Else if balance is positive then  the Joint holder gets the remaining balance by the way of cash / DD /  NEFT and then account is closed. 

Process might vary bank to bank.

For SBI

Visit branch with bank passbook, debit card and fd papers. Also take nominee passport size photo, 1rupees stamp ticket, your aadhar card original + Xerox, pan card original + Xerox, 1 id proof of deceased, death certificate of deceased 

They will give you a form, fill all data and hand over to them. They will fill an online form with PDFs of all papers. You will receive sms with case number. 

After necessary verification and almost 10-15 days. You will get a call from bank to submit original passbook and fd papers. Submit that and they will transfer the money in your account. 

Submit DC, photo id of deceased and nominee, passbook, debit card, check book, a cancelled cheque of the nominee's bank account and a letter to bank to  close the deceased's bank account indicating the reason. The request will be processed in 2-3 days to a week.

And regarding the negative balance write a letter to the bank manager to waive the negative balance as the account was in-operative and you are closing it anyways as the person is no more.

Hopefully this will be sufficient to deal with this situation.