Charitable Giving - Taxes Owed

Suppose somebody names a non-profit charity as Payable on Death on a bank account and that carity no longer exists at the time of the deceased's death. Suppose the charity was no longer in existance due to lack of funds to keep it running. What becomes of that Payable on Death money to that charity? If the charity no longer exists, the funds have nowhere to go. Does the check go back to the bank where it came from? Does the money go to an unclaimed funds account for that particular state? Or to next of kin, perhaps? I appreciate your help.