The bank account will go to you directly since it is held jointly with you. You may be able to file for a "Release of Assets" from the probate court where your father resided in order to get the car and any other assets released and distributed to the heirs. If your step father died without a will, unfortunately, then his heirs would inherit, probably not you if you were only a step son and not legally adopted by him. There may be Ohio or Federal Estate taxed owed depending on what the value of his assets were at the time of his death.