What to do when a Cadence Bank account holder dies
Contact Cadence Bank's Cadence Asset Management & Trust — 8-step process, 8 required documents, and 5-10 business days for initial review after document submission; varies based on completeness and account type
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services
WebsiteLearn more →
Death Claims
Phone1-888-797-7711
Toll-Free1-888-797-7711
Mailing Address
Cadence Bank, Attn: Deposit Operations, P.O. Box 789, Tupelo, MS 38802
Verified Mar 2026
When a Cadence Bank 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 Cadence Bank's Cadence Asset Management & Trust (1-888-797-7711) 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 Cadence Bank. 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 Cadence Bank:
Filing a claim
1Contact Cadence Bank at 1-888-797-7711 or visit a local branch to report the death of an account holder
2For accounts with a POD beneficiary: provide a certified death certificate and valid government-issued photo ID for the beneficiary
3For joint accounts with right of survivorship: provide a death certificate to remove the deceased from the account
4For accounts without a beneficiary: obtain Letters Testamentary, Letters of Administration, or a small estate affidavit from the appropriate court
5For trust accounts: provide a death certificate, trust documentation, and successor trustee identification
6For IRA accounts: provide a death certificate, beneficiary ID, and complete any required IRA distribution or transfer forms
7Submit all documents in person at a branch or by mail
8Cadence Bank will review the submitted documentation and process the claim
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant
- Account information for the deceased (account numbers)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from probate court
- For small estates: small estate affidavit (varies by state)
- For trust accounts: trust documentation including successor trustee provisions, signature/notary pages, and amendments
- For IRA accounts: IRA distribution or inherited IRA transfer forms
- Written distribution instructions from the claimant
For accounts with a named POD beneficiary, the bank releases funds directly to the beneficiary upon receiving a death certificate and proper identification. Accounts without a beneficiary may be frozen until proper legal authority (probate court order or small estate affidavit) is established. Cadence Asset Management & Trust can also serve as executor or co-executor for estates where the bank has been named in that capacity.
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 Cadence Bank of the borrower's death by calling customer service at 1-888-797-7711
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request the Successor in Interest documentation package from the mortgage servicing department
5Complete and return the Successor in Interest form with supporting documentation proving your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
6Cadence Bank will review your documentation and confirm your status as a Successor in Interest
7Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, 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
- Completed Successor in Interest form (obtained from mortgage servicing department)
- Documentation proving ownership interest in the property: probated will, court order, recorded deed, or trust document showing you as successor trustee or beneficiary
- 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), Cadence 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 treated as borrowers under CFPB mortgage servicing rules and are entitled to account information, loss mitigation options, and assumption rights. For payoff instructions: 1-800-308-6709.
Processing timelines at Cadence Bank: 5-10 business days for initial review after document submission; varies based on completeness and account type. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Cadence Bank requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued photo ID for the claimant, and Account information for the deceased (account numbers), 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
You can add a Payable on Death (POD) beneficiary to your Cadence Bank deposit accounts by logging in to Cadence Online Banking, visiting a branch, or calling 1-888-797-7711. You will need the beneficiary's full legal name, date of birth, Social Security number, and relationship to you.
Contact Cadence Bank by calling 1-888-797-7711 or visiting a local branch. You will need a certified copy of the death certificate and valid photo ID. The process depends on the account type: POD accounts release funds to the named beneficiary, joint accounts with right of survivorship continue with the surviving owner, and accounts without a beneficiary may require probate documents.
Cadence Bank's Death Claims can be reached by phone at 1-888-797-7711 and email at customer.service@cadencebank.com for questions throughout the claims process.
If the deceased held multiple Cadence Bank accounts, each may require a separate claim or have different documentation requirements. The Cadence Asset Management & Trust can confirm which accounts require individual attention and which can be processed together.
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services
WebsiteLearn more →
Death Claims
Phone1-888-797-7711
Toll-Free1-888-797-7711
Mailing Address
Cadence Bank, Attn: Deposit Operations, P.O. Box 789, Tupelo, MS 38802
Verified Mar 2026
Tools for settling a Cadence Bank estate
Calculators and checklists to help navigate estate settlement after a Cadence Bank account holder passes away.
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