When she passed I did not have access to the accounts, stating POA ceased about death. An attorney also agreed, stating since moms assets totaled over $50K, and 'my name' was not POD (payable on death), then the account would be frozen. I thought 'or' meant also owned the account after her death?
If it had said her name or your name (no mention of POA) and both of your ss numbers were associated with the account then it would be dual ownership. If it had payable on death to you, then you could avoid probate. At this point, with her passing, this account becomes part of her estate, and will likely have to go through probate to be distributed to her heirs. If you are her only heir, then this account will be yours after probate.
Angel
Now, the Will is in force, with the Executor in charge of getting the assets run through a probate proceeding.