We are members of Neptune Society for our final arrangements.

They have an AMAZING booklet they give you at the time you enroll that is an actually step by step "everything and anything you would need to know" kind of booklet for a surviving loved on to work from. It is a workbook where they allow anything you can think of to be entered in the way of accounts, directions, passwords, where to find things....very useful.

I have no idea if they sell them without a plan, but if you can get one from them they are very comprehensive and helpful for a single resource guide for just such issues.

Death notes
 

In addition to a trust I have in NOTES on my device all passwords and how everything is controlled - need a password to get into my device and another different password to get into notes - that info is emailed to my trustee whenever anything changes plus trustee has passwords to access NOTES.

Online banking since it was offered to pay bills. We can both pay bills, and if something should happen to both of us at the same time, oldest has login info, and youngest has passwords.

Learned the hard way when dominating parent only handled the money, surviving spouse didn’t even know how to pay a bill, or where the accounts were.

Most of the time 90% of passwords are saved on the computer or cell phone (Apple smart phone) make sure each person knows password for each other’s phone/computer.

All my bills are paid out of credit Union that’s not even in this state for last 20 years , I never changed from there because my pensions go in and I didn’t want to change them either they take the full payment of credit cards also to use the automatic on credit card they either take full amount or you can call and they will take lowest amount which I’ve never have done , i to have set up cell , charities, direct tv and wi fi on backup card that never leaves home , I have never had a problem and I have moved often and settings up new accounts has never been a problem, I do keep some funds in citizens just for atm and some conveniences . I don’t care about on line banking , I look once a month when statements come in