What to do when a Atlantic Union account holder dies
Contact Atlantic Union's Trust & Asset Management — 9-step process, 5 required documents, and varies based on account type and documentation; pod claims typically faster than probate
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more →
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Mar 2026
When a Atlantic Union account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Atlantic Union's Trust & Asset Management (800-990-4828) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Atlantic Union. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Atlantic Union:
Filing a claim
1Notify Atlantic Union Bank by calling Customer Care at 800-990-4828 or visiting a local branch
2For trust accounts, contact Trust & Asset Management at 855-244-3767
3Provide a certified death certificate
4Bank may continue to honor checks until it has knowledge of death and reasonable opportunity to act
5Bank may pay or certify checks drawn on or before date of death for up to 10 days after death
6For POD accounts: beneficiary provides death certificate and valid government-issued ID to claim funds
7For joint accounts with survivorship: ownership passes automatically to surviving owner(s)
8For non-POD individual accounts: executor provides Letters Testamentary or Letters of Administration
9For IRAs: beneficiary provides death certificate and completes distribution paperwork
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary or authorized representative
- Letters Testamentary or Letters of Administration (for probate estates)
- Trust documentation (if account was held in trust)
- Small Estate Affidavit (if applicable under state law)
Trust & Asset Management: 855-244-3767 (Monday-Friday 9:00am-5:00pm ET). Atlantic Union can serve as executor or co-executor, handling asset gathering and inventory, court communications, beneficiary distribution, and fiduciary tax coordination. Upon death of joint account holder, bank may restrict withdrawals until obligations under applicable law are satisfied. Early withdrawal penalties on CDs may be waived upon death of account holder. Upon death of a POD beneficiary, the bank must be promptly notified and all deposits and withdrawals must stop.
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower's revocable trust.
1Notify Atlantic Union Bank of the borrower's death by calling the Mortgage Assistance Center at 844-661-0093 or Customer Care at 800-990-4828
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request information about the Successor in Interest process to establish your legal interest in the property
5Provide documentation proving your ownership interest: probated will, court order, recorded deed, or trust document naming you as successor trustee or beneficiary
6Atlantic Union Bank will review your documentation and confirm your status as a Successor in Interest
7Once confirmed, discuss options: continue making payments, apply for loan assumption, refinance, or pay off the balance
8Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property (probated will, court order, recorded deed, or trust document)
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Atlantic Union Bank cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are entitled to account information and loss mitigation options under CFPB mortgage servicing rules. Mortgage Assistance Center: 844-661-0093 (toll-free) or 804-589-3187 (direct). Email: MortgageAssistanceCenter@AtlanticUnionBank.com. Fax: 804-482-2983. Customer Care: 800-990-4828.
Processing timelines at Atlantic Union: Varies based on account type and documentation; POD claims typically faster than probate. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Atlantic Union requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for beneficiary or authorized representative, and Letters Testamentary or Letters of Administration (for probate estates), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Visit an Atlantic Union Bank branch to add a POD (Payable on Death) beneficiary designation to your deposit account. Bring valid government-issued photo ID and provide the beneficiary's full legal name and identifying information. POD is available for checking, savings, CDs, and money market accounts. You retain the right to change beneficiaries, change account types, or withdraw funds at any time. Beneficiary changes must be made in writing or in person at a branch.
Call Customer Care at 800-990-4828 (Monday-Friday 8:00am-8:00pm ET, Saturday 9:00am-5:00pm ET), or visit a local branch. For trust accounts, call Trust & Asset Management at 855-244-3767 (Monday-Friday 9:00am-5:00pm ET). You will need a certified death certificate and your government-issued photo ID. For POD accounts, the named beneficiary presents these documents to claim funds. For joint accounts with survivorship, ownership passes to surviving owner(s). For mortgage-related death notifications, contact the Mortgage Assistance Center at 844-661-0093.
For joint accounts with right of survivorship, ownership passes automatically to the surviving account holder(s). Present a certified death certificate at a branch to update the account. The bank may temporarily restrict withdrawals until obligations under applicable law are satisfied.
If your spouse is named as the beneficiary, the HSA transfers to them and becomes their own HSA. If a non-spouse beneficiary is named, the account ceases to be an HSA as of the date of death and the fair market value becomes taxable income to the beneficiary. Beneficiary designations for an HSA are handled separately from deposit account POD designations.
Atlantic Union's Customer Care / Trust & Asset Management can be reached by phone at 800-990-4828, email at customer.advocate@atlanticunionbank.com, and fax at 804-967-8820 for questions throughout the claims process.
If the deceased held multiple Atlantic Union accounts, each may require a separate claim or have different documentation requirements. The Trust & Asset Management can confirm which accounts require individual attention and which can be processed together.
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more →
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Mar 2026
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