What to do when a Central Bank account holder dies

Processing timelines at Central Bank: POD and joint accounts typically release within days of receiving a certified death certificate; accounts requiring probate follow court timelines. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

Central Bank requires Certified copy of the death certificate, Government-issued photo ID for the person handling the estate, Letters Testamentary or Letters of Administration (if the estate is probated), and Small estate affidavit (if eligible under state law and no probate is opened) to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

Central Bank's Customer Service can be reached by phone at 1-866-236-8744 for questions throughout the claims process.

If the deceased held multiple Central Bank accounts, each may require a separate claim or have different documentation requirements. The Central Trust Company (Wealth Management) can confirm which accounts require individual attention and which can be processed together.