In PA, specifically, what are probate assets vs. non-probate assets?

A good rule of thumb for determining whether an asset is probate or non probate is to ask yourself the question "Can I tell who should get this asset without looking at the Will or where there is no Will the Intestate laws?" When you can answer yes then the asset is non-probate; when the answer is no the asset is a probate asset. A joint account with a right of survivorship goes to the surviving joint owner; since the Will is not necessary to accomplish this it is a non-probate asset. Similarly the ITF account was likely a joint account with survivorship between you and your mother, ITF for your brother and sister in the event both you and your mother died. At this point its likely your sole account ITF your brother and sister and you can do with it as you will. Check with the bank to be sure but this is the most likely scenario. Very truly yours, Ed Smeltzer NOTE: This answer was prepared for educational purposes only. By using this site you understand and agree that there is no attorney client relationship or confidentiality between you and the attorney responding. This site should not be used as a substitute for competent legal advice from a licensed attorney that practices in the subject area in your jurisdiction and with whom you have an attorney client relationship. The law changes frequently and varies from jurisdiction to jurisdiction. The information and materials provided are general in nature, and may not apply to a specific factual or legal circumstance described in the question or omitted from the question.