This is not an intellectual property question. Intellectual property deals with property of the mind: patents, trademarks, copyrights, trade dress, licenses, franchises, that sort of stuff.
That said, your bank accounts are presumably not your only assets. You need a Will to distribute ALL of your personal property as you want it distributed, not as it would be distributed under the laws of intestate succession (distribution in the absence of a Will).
This is not an intellectual property question. Intellectual property deals with property of the mind: patents, trademarks, copyrights, trade dress, licenses, franchises, that sort of stuff.
That said, your bank accounts are presumably not your only assets. You need a Will to distribute ALL of your personal property as you want it distributed, not as it would be distributed under the laws of intestate succession (distribution in the absence of a Will).