What to do when a Cadence Bank account holder dies
Contact Cadence Bank's Cadence Asset Management & Trust — 4-step process, 8 required documents, and 5-10 business days for initial review after document submission; varies based on completeness and account type
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026
cadencebank.com→
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services / Client Services
Remote Banking Team
TDD/TTY
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 Apr 2026
After a Cadence Bank 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 Cadence Bank's Cadence Asset Management & Trust at 1-888-797-7711 with the proper legal authority documents.
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
To file a claim after an account holder's death, here is what Cadence Bank requires:
Filing a claim
1
Contact Cadence Bank at 1-888-797-7711 or visit a local branch to report the death of an account holder
2
Choose the appropriate settlement path based on account type:
- For accounts with a POD beneficiary: provide a certified death certificate and valid government-issued photo ID for the beneficiary
- For joint accounts with right of survivorship: provide a death certificate to remove the deceased from the account
- For accounts without a beneficiary: obtain Letters Testamentary, Letters of Administration, or a small estate affidavit from the appropriate court
- For trust accounts: provide a death certificate, trust documentation, and successor trustee identification
- For IRA accounts: provide a death certificate, beneficiary ID, and complete any required IRA distribution or transfer forms
3
Submit all documents in person at a branch or by mail
4
Cadence 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.
1
Notify Cadence Bank of the borrower's death by calling customer service at 1-888-797-7711
2
Provide initial information:
- Deceased borrower's full legal name, Social Security number, and loan number
- Certified copy of the death certificate
3
Request the Successor in Interest documentation package from the mortgage servicing department
4
Complete 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)
5
Cadence Bank will review your documentation and confirm your status as a Successor in Interest
6
Once confirmed, discuss available options:
- Continue making payments on the existing loan
- Apply for loss mitigation
- Assume the loan, refinance, or pay off the balance
7
Continue 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.
Documentation required by Cadence Bank includes Certified copy of the death certificate, Valid government-issued photo ID for the claimant, and Account information for the deceased (account numbers), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
You can add a Payable on Death (POD) beneficiary to deposit accounts by logging in to Cadence Online Banking, visiting any Cadence Bank branch, or calling customer service at 1-888-797-7711. You will need the beneficiary full legal name, date of birth, Social Security number, and relationship. To name a trust as POD beneficiary, a branch visit or phone call may be required.
Contact Cadence Bank at 1-888-797-7711 to report the death and request the Successor in Interest documentation package. Under the federal Garn-St. Germain Act, the bank cannot accelerate the loan when the property transfers to a surviving spouse, child, relative upon death, or the borrower revocable living trust. Once confirmed as a Successor in Interest, you can continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance.
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.
Multiple Cadence Bank accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Cadence Asset Management & Trust to confirm what applies.
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026
cadencebank.com→Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services / Client Services
Remote Banking Team
TDD/TTY
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 Apr 2026
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