My mom and I are on an account as joint owners. What happens after she dies?
Check the last account statement. If you are listed as power of attorney (POA) then the entire account is part of your mother's estate and should pass according to the controlling documents or a payable on death designation written on the account. However, if you are the true joint owners then the account may pass directly to you without probate unless the joint ownership was established entirely for convenience purposes.