Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
huntington.com/landing-pages/cadencebankWhat to do when a Cadence Bank account holder dies
Report the death to Cadence Bank's Huntington Bank customer support at 1-888-797-7711
Cadence Bank merged into HuntingtonMerged, effective June 2026
Huntington Bancshares closed its merger with Cadence Bank on February 2, 2026 and completed the systems conversion and rebrand that June. Cadence branches closed Thursday, June 18, 2026 and reopened as Huntington Bank branches on Monday, June 22, 2026; Cadence online and mobile banking ended and accounts now live in Huntington Online Banking. Deposit and loan accounts received new Huntington account and routing numbers (most mortgages transitioned earlier, on May 30, 2026), though former Cadence numbers still work through the rest of 2026 for deposits and automatic payments. cadencebank.com no longer serves content. Use Huntington channels for account, beneficiary and estate matters on a legacy Cadence deposit or loan account: (888) 797-7711 for former Cadence customers, or (800) 480-2265 general customer service. Cadence Asset Management & Trust investment and trust accounts did not change and are still reached through that team and its Client Point portal.
After an account holder at Cadence Bank 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 Cadence Bank's Huntington Bank customer support at 1-800-480-2265 with the proper legal authority documents.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what Cadence Bank requires:
Filing a claim
- A certified copy of the death certificate
- Your government-issued photo ID
- The deceased person's name, Social Security number and any account numbers; Cadence-era numbers are fine
- Letters Testamentary or Letters of Administration, or the certification of trust, if you have been appointed
- A letter giving the deceased person's full legal name, Social Security number, date of death and any known account numbers (Cadence-era numbers are accepted)
- A certified copy of the death certificate
- A copy of your government-issued photo ID
- Letters Testamentary or Letters of Administration, if appointed
- Certification of trust and successor-trustee documentation, if a trust account
- Your daytime phone number and mailing address for the reply
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Any necessary tax releases, for a payable-on-death payoutHuntington's deposit agreement conditions a payable-on-death payout on adequate proof of death, necessary tax releases, and proper identification.
- Letters Testamentary or Letters of Administration from the probate court, for an account with no beneficiary
- The state's small-estate affidavit, for a small estate, where the estate qualifies
- Certification of trust or trust agreement, successor-trustee documentation and trustee ID, for a formal trust account
- Huntington's beneficiary claim and inherited-IRA transfer paperwork, for an IRA
What happens to each kind of account7
- Payable-on-death account
Huntington pays the balance to the beneficiaries named on the signature card or identified in its records who are then living, in equal shares unless noted otherwise, once it has adequate proof of death, any necessary tax releases, and proper identification.1
- Joint account with survivorship
The surviving owner keeps the account. Every joint owner remains responsible for transactions presented after the other owner's death, including overdrafts.2
- Trust account
On an informal trust account ("in trust for" or Totten trust), Huntington transfers the account at the trustee's death to the beneficiaries designated on the signature card or in its records.2
On a formal trust account, the successor trustee presents the certification of trust or the trust agreement, the death certificate, and trustee ID.2
- Account in one name
On an individual account with no beneficiary, the executor or administrator presents Letters Testamentary or Letters of Administration, or the state's small-estate affidavit where one applies.2
- IRA
The named beneficiary claims the IRA directly with the death certificate, ID and Huntington's inherited-IRA paperwork.2
- Fiduciary account
Huntington Estate Checking is a named account type in Huntington's consumer deposit agreement, for an appointed executor collecting estate funds and paying estate bills.1
- Investment account
Huntington states there are no changes to Cadence Asset Management & Trust investment and trust accounts. Clients keep the same advisor, the same services and the Client Point portal, so a trust or investment claim does not start at a branch.2
State law on paying a balance without letters6 states
- Florida
Permits a bank to pay up to $2,000 on an affidavitFla. Stat. § 735.303Verified Oct 3, 2026View source
- Georgia
Permits a bank to pay up to $15,000 on an affidavitO.C.G.A. § 7-1-239Verified Oct 3, 2026View source
- Louisiana
Permits a bank to pay up to $20,000 on an affidavitLa. R.S. 6:315.1Verified Oct 3, 2026View sourceLa. R.S. 6:315.1
Permits a bank to pay up to $20,000 on an affidavitLa. R.S. 9:1513Verified Oct 3, 2026View sourceLa. R.S. 9:1513
- Mississippi
Permits a bank to pay up to $12,500 on a signed receipt or releaseMiss. Code Ann. § 81-5-63Verified Oct 3, 2026View source
- Tennessee
Permits a bank to pay up to $15,000 on proof the institution acceptsT.C.A. § 45-2-708Verified Oct 3, 2026View sourceT.C.A. § 45-2-708
Permits a bank to pay up to $10,000 on proof the institution acceptsT.C.A. § 30-2-103(b)(2)Verified Oct 3, 2026View sourceT.C.A. § 30-2-103(b)(2)
- Texas
Permits a bank to pay up to $5,000 on an order of the courtTex. Est. Code § 152.051Verified Oct 3, 2026View source
Accounts handled elsewhere2
- Cadence Asset Management & Trust
Cadence investment and trust accounts, which did not convert; contact the advisor on the account2
- The Huntington National Bank, mortgage and home equity
Mortgage and home equity matters, including successor-in-interest requests2
Mailing address: The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234
What Cadence Bank's agreement and guidance say2
- Accounts from a merged institution
Cadence Bank is now Huntington Bank, and legacy Cadence deposit and loan accounts are Huntington accounts with new numbers. Deposit accounts converted June 22-24, 2026; most mortgages moved earlier, on May 30, 2026, with new loan numbers issued before that date.2
Cadence account and routing numbers still work through the rest of 2026 for deposits and automatic payments, and Cadence checks are good until they run out, so an heir can still identify accounts from old paperwork.2
- Debts owed to the institution
If an owner owed Huntington money at death, the deposit agreement lets it pay withdrawals and exercise its right of set-off against the account after the death, "regardless of any rights that a surviving owner, including a POD or other beneficiary may have to funds in the Account."1
A pledge of the account to secure a loan likewise outranks a beneficiary.1
Not in Cadence Bank's published guidance1
- How long a claim takes, for deposit accounts
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.
- The deceased borrower's full legal name, Social Security number, and the Huntington loan number (or the old Cadence loan number if that is all you have)
- A certified copy of the death certificate
- The property address
- Continue making payments on the existing loan
- Apply for loss mitigation through Mortgage Payment Assistance at 1-800-323-9865
- Assume the loan, refinance it in your own name, or pay off the balance
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Written request identifying you as a potential successor in interestWith the borrower name and loan number.
- Documentation proving an ownership interest in the propertyA probated will, court order, recorded deed, or trust instrument showing you as successor trustee or beneficiary.
- Letters Testamentary or Letters of Administration, if the estate is in probate
- Marriage certificate, if you are the surviving spouse
Claims Contact
Phone: 1-800-323-4695
Fax: 1-614-480-6009
Hours: Monday-Friday 8:00 AM-8:00 PM ET; Saturday 8:00 AM-2:00 PM ET
Mailing address: The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Accounts handled elsewhere1
- Huntington Mortgage Payment Assistance
Loss mitigation for a confirmed successor in interest1
Phone: 1-800-323-9865
What Cadence Bank's agreement and guidance say2
- Accounts from a merged institution
Most Cadence mortgages moved to Huntington on May 30, 2026, before the branch and deposit conversion, so the current loan number is a Huntington number even though the original note says Cadence Bank.1
Loan payment addresses changed at the transition and appear on the first Huntington statement. A payment made through Bill Pay needs the new payee address and loan number, or it will be misapplied.1
- Payments after the death
A successor-in-interest review does not pause the loan. The monthly payment is still due while the review is open, and the loan can still go delinquent.1
- The deceased borrower's full legal name, Social Security number, and the current Huntington account number
- A certified copy of the death certificate
- The property address securing the line
- Pay off the outstanding balance from estate assets
- Refinance the debt or negotiate repayment terms
- Sell the property and satisfy the line at closing
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Written request identifying you as a potential successor in interestWith the borrower name and account number.
- Documentation proving an ownership interest in the propertyA probated will, court order, recorded deed, or trust instrument.
- Letters Testamentary or Letters of Administration, if the estate is in probate
- Marriage certificate, if you are the surviving spouse
Claims Contact
Phone: 1-800-992-2053
Hours: Monday-Friday 8:00 AM-8:00 PM ET; Saturday 8:00 AM-2:00 PM ET
Mailing address: The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234
What happens to each kind of account1
- Loan
The draw period ends at the borrower's death and no further draws are possible, but the minimum payment is still due. Keep paying during the review so the line does not go delinquent against the house.1
A confirmed successor in interest is not required to pay the full balance immediately; payoff, refinance and assumption are all available.1
Accounts handled elsewhere1
- Huntington Personal Credit Line Payment Assistance
A home equity line that is past due1
Phone: 1-800-250-6660
What Cadence Bank's agreement and guidance say1
- Accounts from a merged institution
Payment addresses changed at the Huntington transition, so a Bill Pay payee set up under Cadence needs updating.1
Cadence Bank's Huntington Bank customer support can be reached by phone at 1-888-797-7711 for questions throughout the claims process.
Sources
Data sourced from Cadence Bank primary sources (13 pages reviewed). How we research.
Cadence Bank death claims support
Huntington Bank customer support (legacy Cadence Bank deposit and loan accounts)
Phone
Toll-free
Mortgage Customer Service
Personal Credit Line (home equity) Customer Service
Hours
Mailing address
Website
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