MY SON DIED WITH MONEY IN A BANK NO BENIFICUARY

I'm very sorry for your loss.  Unfortunately,if there was no beneficiary on the account, the money now belongs to your son's estate.  I dont't think the bank will allow you access until you either start a court proceeding to probate his will, in which case the named executor will have authority to access the account or, if htere was no will, to administer his estate, in which case the appointed administrator, presumably you, would have that authority.  The terminology used in Florida may be differen than NY, but the procedure shoudl be pretty much the same.