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Did the bank tell you that you need "letters testamentary" or "letters of administration"? You're not alone — and there's a good chance you don't actually need them. In this video, Missouri probate attorney Dan Schnurbusch breaks down what letters testamentary actually are, when you need full probate, and when a small estate affidavit or determination of heirship might apply instead. ⏱ TIMESTAMPS: 0:00 – What the bank actually means 1:15 – What letters testamentary are (and letters of administration) 3:30 – Letters vs. letters of administration: what's the difference? 6:00 – The 3-track decision tree: which path applies to you? 6:45 – Small Estate Affidavit under $40,000 (RSMo §473.097) 9:00 – Determination of Heirship: over $40k + over 1 year (RSMo §473.663) 11:00 – How to get letters testamentary in Missouri 13:30 – What to do right now 📞 FREE CONSULTATION Book online: https://calendly.com/d/csz2-vw2-8qv Call or text: (314) 246-0578 Website: https://schnurbuschlaw.com Schnurbusch Law, LLC helps Missouri families navigate probate and estate administration in St. Charles County and the greater St. Louis metro area. This video is for general informational purposes only and does not constitute legal advice. Consult an attorney about your specific situation.