What to do when a Cadence Bank account holder dies
Contact Cadence Bank's Huntington Personal Trust and Estate Services (successor to Cadence Asset Management & Trust) — 5-step process, 7 required documents, and 5-10 business days for initial review after document submission; varies based on completeness and account type
Brand change
Huntington Bancshares completed its merger with Cadence Bank on February 2, 2026, and finished the systems conversion and rebrand in June 2026. Former Cadence branches closed June 18 and reopened as Huntington Bank branches on June 22, 2026; Cadence online and mobile banking ended June 19, 2026, and accounts now live in Huntington Online Banking. Deposit accounts converted June 22-24, 2026 with new Huntington account and routing numbers, though former Cadence numbers still work through the rest of 2026 for deposits and auto payments. Cadence Bank is now Huntington Bank -- use Huntington channels for account, beneficiary, and estate matters. Effective June 2026.
Cadence Bank is now part of Huntington. The procedures below reflect Cadence Bank's accounts during the transition. View the Huntington estate planning page.
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
cadencebank.com→
Huntington Bank Customer Service (formerly Cadence Bank)
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
Huntington Personal Trust and Estate Services (successor to Cadence Asset Management & Trust)
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
Huntington Death Claims (formerly Cadence Bank)
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
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 Death Claims (formerly Cadence Bank) at 1-800-480-2265 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
- POD accounts: the named beneficiary presents valid government-issued photo ID, the certified death certificate, and completes the claim form Huntington provides
- Joint accounts with right of survivorship: the surviving owner retains access after providing the death certificate
- Non-POD individual accounts: the executor or administrator provides Letters Testamentary or Letters of Administration
- Trust accounts: the successor trustee provides the death certificate, trust documentation, and trustee ID
- IRA accounts: provide the death certificate, beneficiary ID, and complete any required IRA distribution or inherited IRA transfer forms
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant
- The deceased's name, Social Security number, and account numbers (if known)
- For accounts without a 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 and amendments
- For IRA accounts: IRA distribution or inherited IRA transfer forms
What to know at this institution
Cadence Bank is now Huntington Bank (rebrand completed June 22, 2026). For accounts with a named POD beneficiary, funds are released directly to the beneficiary upon receipt of a certified 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. Huntington Private Bank (successor to Cadence Asset Management & Trust) can serve as executor or co-executor where it has been named; contact 1-877-575-2265, option 2.
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.
- Deceased borrower's full legal name, Social Security number, and loan number
- Certified copy of the death certificate
- Continue making payments on the existing loan
- Apply for loss mitigation (Mortgage Payment Assistance: 1-800-323-9865)
- Assume the loan, refinance, 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 Interest, with borrower name and loan number
- 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)
Claims Contact
Phone: 1-800-323-4695
What to know at this institution
Cadence Bank is now Huntington Bank. Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. § 1701j-3), Huntington 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. Successor in Interest written requests: P.O. Box 340996, Columbus, OH 43234.
Prepare your letter of instruction to Cadence Bank
Cadence Bank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Cadence Bank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionProcessing 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 The deceased's name, Social Security number, and account numbers (if known), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Cadence accounts are now Huntington accounts. Add a Payable on Death (POD) beneficiary to a deposit account by visiting any Huntington Bank branch (a former Cadence location) or calling 1-800-480-2265 to request a POD Designation Form. You will need each beneficiary's full legal name, date of birth, Social Security number, address, and relationship, and all account owners must sign the form. To name a trust as POD beneficiary, provide the trust name, date established, and EIN.
Former Cadence mortgages are now serviced by Huntington Bank. Contact Huntington Mortgage Customer Service at 1-800-323-4695 to report the death, then submit a written Successor in Interest request to The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234. Under the federal Garn-St. Germain Act, the lender 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 Huntington Death Claims (formerly Cadence Bank) can be reached by phone at 1-800-480-2265 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 Huntington Death Claims (formerly Cadence Bank) to confirm what applies.
Sources
Data sourced from Cadence Bank primary sources (32 pages reviewed). How we research.
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
cadencebank.com→Huntington Bank Customer Service (formerly Cadence Bank)
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
Huntington Personal Trust and Estate Services (successor to Cadence Asset Management & Trust)
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
Huntington Death Claims (formerly Cadence Bank)
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
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