What to do when a Bank OZK account holder dies
Contact Bank OZK's Trust & Wealth (Trust & Estate Services) — 7-step process, 9 required documents, and varies by account type and documentation. pod and survivorship claims with complete documents are typically processed within days of the branch accepting them; probate-dependent claims track the court's letters timeline. bank ozk publishes no service-level commitment for death claims.
Customer Care Center
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
International Toll-Free
Lost/Stolen Debit Card
PIN Change
WebsiteLearn more→
Trust & Wealth (Trust & Estate Services)
Phone1-501-906-7900
Toll-Free1-800-274-4482
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
Fayetteville, AR
Rogers, AR
Clearwater, FL
Atlanta, GA
Charlotte, NC
Shelby, NC
Dallas, TX
Texarkana, TX
WebsiteLearn more→
Customer Care Center (retail deposit death claims; no separate estate-claims department) / Trust & Wealth for trust-administered accounts
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth (Little Rock)
International Toll-Free
WebsiteNotify online→
Verified Jul 2026
After a Bank OZK account holder dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Bank OZK's Trust & Wealth (Trust & Estate Services) at 1-800-274-4482 with the proper legal authority documents.
Bank OZK offers an online claims portal that makes the initial filing process more straightforward. Survivors can also initiate claims by phone or by mailing documentation directly.
Death claim process
The death claim process at Bank OZK works as follows:
Filing a claim
1
Notify Bank OZK promptly, and put it in writing. Clause (29) Death or Incompetence of the Terms and Conditions of Your Account requires you to notify the bank promptly when a person with a right to withdraw dies or is adjudicated incompetent, and lets the bank keep honoring the decedent's checks, items, and instructions until (a) it knows of the death and (b) it has had a reasonable opportunity to act on that knowledge. Report the death to Customer Care at 1-800-274-4482 or at any branch
2
Expect a ten-day tail on checks. The same clause says Bank OZK may pay or certify checks drawn on or before the date of death for up to ten (10) days AFTER the death, unless someone claiming an interest in the account orders it to stop payment. If checks are outstanding that should not clear, ask about a stop payment when you report the death
3
Gather the core documents:
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- The decedent's full legal name, Social Security number, and account numbers if known
- Proof of your relationship to the deceased
4
Take the settlement path that matches the account's ownership type — and check which state's Terms and Conditions govern it, since Bank OZK publishes a separate deposit agreement for AR, FL, GA, NC, TN, and TX:
- Pay-on-Death account: the beneficiary can claim only after ALL persons who created the account have died, and only if then living (a trust or other non-natural beneficiary must show proof of legal existence and good standing). Two or more surviving natural-person beneficiaries take in equal shares with right of survivorship
- Joint account with survivorship: the balance belongs to the survivor(s), subject to any prior pledge the bank agreed to
- Joint account as tenants in common (no survivorship): the decedent's share goes to the estate, not to the co-owner
- Trust-titled account: the successor trustee presents the trust agreement or a Certification of Trust, the death certificate, and trustee ID. Bank OZK does not monitor or enforce the trust — clause (30) Fiduciary Accounts
- Probate: present Letters Testamentary or Letters of Administration from the court in the decedent's state
- Arkansas small estate: Ark. Code Ann. Section 28-41-101 lets a distributee collect by affidavit when at least 45 days have passed since death and the estate, excluding homestead and statutory allowances, does not exceed $100,000. Arkansas is a FILED-affidavit state: the affidavit goes to the circuit clerk's probate division and the bank is given the clerk-certified copy, not a bare affidavit. Bank OZK's other eight states set their own thresholds and waiting periods
5
Ask the bank about setoff before assuming the balance is free. The deposit agreement lets Bank OZK set off funds in the account against any due-and-payable debt the owner owes it, without prior notice where the law allows — an outstanding OZK loan or credit card can reduce what reaches a beneficiary. The setoff right does not reach an IRA
6
Open an estate account at a branch if the estate needs one (Letters plus the estate EIN), then complete the distribution paperwork the banker prepares
7
For an account already administered by the Trust & Wealth division, work with that team instead — it settles estates and serves as executor or personal representative where it was named
Required Documents
- Written notice of the death (clause (29) lets the bank keep honoring the decedent's items until it knows of the death and has a reasonable opportunity to act)
- Certified copy of the death certificate
- Government-issued photo ID for the claimant (driver's license, passport, or state-issued ID)
- Proof of relationship to the deceased
- Letters Testamentary or Letters of Administration (if probate is required)
- Small estate affidavit where the estate qualifies — Arkansas: clerk-certified affidavit under Ark. Code Ann. Section 28-41-101 ($100,000 cap, 45-day wait); other states apply their own limits
- Trust agreement or Certification of Trust, plus successor trustee ID (if the account is held in trust)
- For a non-natural POD beneficiary (a trust, estate, or charity): proof of legal existence and good standing
- For an estate account: Letters plus the estate's EIN (IRS Form SS-4)
What to know at this institution
Bank OZK publishes no estate-services portal, no death-claim web page, no downloadable estate claim form, and no estate-claims phone line: retail deposit death claims run through the Customer Care Center (1-800-274-4482) or a branch. The procedural facts here come from the bank's deposit account agreement, "Terms and Conditions of Your Account" (Arkansas edition, TC-AR 6/1/2023), plus the Texas Uniform Single-Party or Multiple-Party Account Selection Form. Clause (29) Death or Incompetence: prompt notice is required; the bank may keep honoring the decedent's checks, items, and instructions until it knows of the death AND has had a reasonable opportunity to act; and it may pay or certify checks drawn on or before the date of death for up to ten (10) days after the death unless someone claiming an interest in the account orders a stop payment. Clause (30) Fiduciary Accounts: the bank is not responsible for the actions of a fiduciary, including misuse of funds, and opening a trust-titled account does not make it a trustee or obligate it to monitor or enforce the trust or letters. The setoff clause lets it apply account funds against a due-and-payable debt owed to it (IRAs excepted), so an outstanding OZK loan can reduce what a beneficiary receives. Because the deposit agreement is issued state by state (AR, FL, GA, NC, TN, TX), confirm which edition governs the account — and in Texas the account ownership type was elected on the statutory selection form, which controls over the will. Accounts held or administered by the Trust & Wealth division are settled by that team (Little Rock office, 18000 Cantrell Road, 1-501-906-7900), which also provides estate settlement and serves as executor or personal representative when named.
Prepare your letter of instruction to Bank OZK
Bank OZK accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Bank OZK's verified claims department, with the documents it requires enclosed.
Build your letter of instructionOpening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
How to open an estate account at Bank OZK →How long the process takes at Bank OZK: Varies by account type and documentation. POD and survivorship claims with complete documents are typically processed within days of the branch accepting them; probate-dependent claims track the court's Letters timeline. Bank OZK publishes no service-level commitment for death claims. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Bank OZK requires several documents to process a claim, including Written notice of the death (clause (29) lets the bank keep honoring the decedent's items until it knows of the death and has a reasonable opportunity to act), Certified copy of the death certificate, and Government-issued photo ID for the claimant (driver's license, passport, or state-issued ID), 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
No. Clause (6) of Bank OZK's Terms and Conditions of Your Account says that if two or more natural-person beneficiaries survive the death of everyone who created the account, they own it in EQUAL SHARES with right of survivorship. The designation has no percentage field, so an uneven split cannot be built into a Bank OZK POD account — use separate accounts, or leave the account to your trust and let the trust divide it. The same clause is restrictive in another way worth planning around: you may name EITHER a single non-natural person (your trust, an estate, or a charity) OR one or more natural persons, but not a mix. So a trust cannot be named as a POD beneficiary alongside your children.
No. Bank OZK offers no online beneficiary management and no online account retitling. Pay-on-Death (POD) designations and trust retitling for deposit accounts are done at a branch, where you sign the designation or ownership-change paperwork in person; a POD designation can be initiated by phone with Customer Care at 1-800-274-4482, but it still has to be signed. Bring your trust agreement or Certification of Trust and government-issued ID for any retitling. If your account was opened in Texas, the ownership type is elected on the statutory Uniform Single-Party or Multiple-Party Account Selection Form, which you initial and sign — and the type you initial, not your will, controls who takes the balance.
Bank OZK has no estate-claims line, portal, or claim form, so report the death to the Customer Care Center at 1-800-274-4482 or at any branch, and follow up in writing — clause (29) of the deposit agreement lets the bank keep honoring the decedent's items until it knows of the death and has had a reasonable opportunity to act, and lets it pay checks drawn on or before the date of death for up to ten days afterward unless someone claiming an interest orders a stop payment. Bring a certified death certificate and your photo ID. With no POD beneficiary, surviving joint owner, or trust title, the bank pays a court-appointed executor or administrator holding Letters Testamentary or Letters of Administration, or a small-estate affiant where the estate qualifies. In Arkansas, the bank's home state, Ark. Code Ann. Section 28-41-101 allows collection by affidavit when 45 days have passed since the death and the estate (excluding homestead and statutory allowances) does not exceed $100,000 — and Arkansas requires the affidavit to be FILED with the circuit clerk, so the bank is handed the clerk-certified copy. Bank OZK's other eight states set their own thresholds and waiting periods. Ask, too, whether an outstanding OZK loan or credit card will be set off against the balance before it is paid.
Bank OZK's Customer Care Center (retail deposit death claims; no separate estate-claims department) / Trust & Wealth for trust-administered accounts can be reached by phone at 1-800-274-4482 for questions throughout the claims process.
Multiple Bank OZK accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Trust & Wealth (Trust & Estate Services) to confirm what applies.
Sources
Data sourced from Bank OZK primary sources (16 pages reviewed). How we research.
Customer Care Center
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
International Toll-Free
Lost/Stolen Debit Card
PIN Change
WebsiteLearn more→
Trust & Wealth (Trust & Estate Services)
Phone1-501-906-7900
Toll-Free1-800-274-4482
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
Fayetteville, AR
Rogers, AR
Clearwater, FL
Atlanta, GA
Charlotte, NC
Shelby, NC
Dallas, TX
Texarkana, TX
WebsiteLearn more→
Customer Care Center (retail deposit death claims; no separate estate-claims department) / Trust & Wealth for trust-administered accounts
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth (Little Rock)
International Toll-Free
WebsiteNotify online→
Verified Jul 2026
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