In this digitilsed era still BANKS ARE NOT IN A POSITION to convey their customers on attaining the senior age that senior age benefits can be extended hence visit bank to understand on this.
Similarly very few banks are inviting their customer on completion of 18 years of age that your guardian will not be allowed to operate your a/c hence complete due process before cutoff date for smooth continuation of this a/c in future. It came to notice during discussion with bank employee that large No. of Banks are either not in a position to keep track over this on their own or are not following this practice and to safe guard their position they freeze the a/c on noticing this fact.
On another point please note that most of the banks convey the benefit which widows are entitle on inquiry whereas just after noting of demise information they should post one detailed letter conveying specified date from which they can enjoy certain privileges which banks will provide along with procedure method.