What to do when a Bank OZK account holder dies
Contact Bank OZK's Trust & Wealth Services — 5-step process, 6 required documents, and varies based on account type and documentation. pod accounts with proper documentation may be processed within days. probated estates depend on court timelines.
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
WebsiteLearn more→
Trust & Wealth Services
Phone1-501-978-2265
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
WebsiteLearn more→
Customer Care / Trust & Wealth Services
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth Division
Verified May 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 Services at 1-800-274-4482 with the proper legal authority documents.
Begin by calling Bank OZK at 1-800-274-4482. You will need the deceased's full name, account numbers, and a certified death certificate to get the process started.
Death claim process
The death claim process at Bank OZK works as follows:
Filing a claim
1
Contact Bank OZK Customer Care at 1-800-274-4482 or visit a branch to report the death of an account holder
2
Gather required documentation:
- Certified copy of the death certificate
- Government-issued photo ID
- Proof of relationship to the deceased
3
Choose the appropriate settlement path:
- POD beneficiary: present a certified death certificate and valid ID to claim funds
- Trust account: successor trustee presents the trust agreement, death certificate, and trustee identification to gain account access
- Probate: provide Letters Testamentary or Letters of Administration from the probate court, or a Small Estate Affidavit if the estate qualifies under state law
4
Complete required distribution forms provided by the bank
5
Funds are distributed per instructions after document review and approval
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant (driver's license, passport, or state-issued ID)
- Letters Testamentary or Letters of Administration (if probate required)
- Small Estate Affidavit (if estate qualifies under applicable state law)
- Trust agreement (if account held in trust)
- Proof of relationship to deceased
Bank OZK does not publish a dedicated estate services portal or separate estate services phone number. Death claims are handled through general customer service or at branch locations. For accounts managed by the Trust & Wealth division, contact (501) 978-2265 directly.
How long the process takes at Bank OZK: Varies based on account type and documentation. POD accounts with proper documentation may be processed within days. Probated estates depend on court timelines. 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 Certified copy of the death certificate, Government-issued photo ID for the claimant (driver's license, passport, or state-issued ID), and Letters Testamentary or Letters of Administration (if probate required), 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. Bank OZK does not offer online beneficiary management or online account retitling. Payable on Death (POD) beneficiary designations and trust retitling for deposit accounts must be completed at a branch, where you sign the bank's designation or ownership-change paperwork in person; POD designations can also be initiated by phone with Customer Care at 1-800-274-4482. Bring your trust agreement or Certification of Trust and government-issued ID for any retitling. This in-person requirement is the main estate-planning quirk to plan around with Bank OZK.
Bank OZK's Customer Care / Trust & Wealth Services 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 Services to confirm what applies.
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
WebsiteLearn more→
Trust & Wealth Services
Phone1-501-978-2265
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
WebsiteLearn more→
Customer Care / Trust & Wealth Services
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth Division
Verified May 2026
Estate planning articles
Learn how to protect your Bank OZK accounts and other assets with trusts, beneficiary designations, and estate planning documents.
