Technically the individual ceases, but on that date the 'estate of {decedent's name} begins' except now instead of now where you do things for yourself, its the executor doing things in trust for your heirs. This is the case even if no formal estate has been established or even an executor appointed. So, that bank account will still take deposits in, google will still pay (and issue tax documents in your social). And there are so many different types of rules/accounts that its impossible to say what precisely would hapen (ie. is the bank account POD, joint account, etc)

At some point it will get transfered to an heir. After a certain period of time, if no heir claims, it will escheat to the state (at least in the US that usually means NJ, NY, CA, etc). There are technically time limits on it, but it happens pretty rarely and the amounts are usually so small the state here doesn't actually have anybody enforcing it and they're just happy to get anything (plus if it were 'ridgid' enforcement the banks would be dissuaded from doing it at all)

That is why you'll see unclaimed property notices in certain newspapers.

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