On the issue of the bank not wanting to let go of the money since they have it there. The irony is that I am a customer of the bank already. The money wasn't leaving the bank! It was staying there.
Yes, this is in Texas. I do understand that the bank won't recognize me as executor until I am appointed. That isn't an issue for me. For example, I didn't ask to take custody of the items in my mom's safety deposit box (I was recently in it and there is nothing of great value in it so I am in no hurry). But, the issue with the POD checking account was different. To be clear if the amount in it had been $1 under their limit they would have transferred the money to me. Because it was a little more they wouldn't. (And, no this is not a huge estate.).
Again, I know I have to do some probate things because I need to be able to sell the house. I don't mind doing them. But there are expenses related to the house so it would be nice to have the money so I could pay them from that money rather than having to front them out of my own cash. I am sure it will work out, but just annoying.