What to do when a ChoiceOne Bank account holder dies
Report the death to ChoiceOne Bank's Customer Service at 1-888-775-6687
When an account holder at ChoiceOne Bank 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 ChoiceOne Bank's Customer Service (1-888-775-6687) to access and distribute the funds.
To start a claim, contact ChoiceOne Bank by phone at 1-888-775-6687 or email documentation to help@choiceone.bank. You will need the account holder's full name, account numbers, and the death certificate.
Death claim process
Follow these steps to file a death claim with ChoiceOne Bank:
Filing a claim
Required Documents
- A copy of the death certificate, to remove a person who has died from an account
Accounts handled elsewhere1
- ChoiceOne Wealth
Settling estates as executor, co-executor or agent for the executor, and trusts as trustee1, 2
Phone: 1-810-245-2953
What ChoiceOne Bank's agreement and guidance say1
- What it does when notified
ChoiceOne removes a person from an account only when that person has died, on a copy of the death certificate. Otherwise it closes the account and opens a new one with the people who need to be listed.3
Not in ChoiceOne Bank's published guidance8
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- An online way to report a death
- Which court appointment document it accepts
- A small-estate procedure
- How long a claim takes
- Terms in its agreements for a customer's death
ChoiceOne Bank's Customer Service can be reached by phone at 1-888-775-6687 and email at help@choiceone.bank for questions throughout the claims process.
Sources
(2)·
Data sourced from ChoiceOne Bank primary sources (32 pages reviewed). How we research.
ChoiceOne Bank death claims support
Customer Service
Phone
Mailing address
Website
Estate planning articles
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Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
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Notice to Creditors
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