What to do when a Citizens Business Bank account holder dies
Report the death to Citizens Business Bank's Client Services at 1-888-228-2265
After an account holder at Citizens Business 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 Citizens Business Bank's Client Services at 1-888-228-2265 with the proper legal authority documents.
Death claim process
Follow these steps to file a death claim with Citizens Business Bank:
Filing a claim
- The deceased account holder's name, account number and date of death
- Your name, relationship to the deceased person and contact information
What happens to each kind of account5
- Payable-on-death account
The named beneficiary presents the death certificate and ID and claims the funds outside probate.1
- Joint account with survivorship
The surviving owner presents the death certificate and keeps the account.1
- Trust account
For a trust-titled deposit account, the successor trustee presents the trust agreement or Certification of Trust, the death certificate and ID.1
- Account in one name
With no beneficiary and no survivorship, the estate representative presents Letters Testamentary or Letters of Administration. For a small estate, an affidavit or declaration can be used instead of Letters.1
- Investment account
A CitizensTrust Investment Services brokerage or advisory account is claimed with LPL Financial. The bank states LPL is a separate entity and the broker-dealer and registered investment advisor of record, so Client Services cannot release those assets.1
Accounts handled elsewhere2
- CitizensTrust Wealth Management
Trust, estate, agency and asset management accounts, handled at a Trust Location1
Phone: 1-888-734-4222
- LPL Financial
CitizensTrust Investment Services brokerage and advisory accounts1
What Citizens Business Bank's agreement and guidance say1
- Accounts from a merged institution
An account originally with Heritage Bank of Commerce moved to Citizens Business Bank in the merger completed April 17, 2026. Check the Heritage Bank of Commerce information center before calling.2
Not in Citizens Business Bank's published guidance6
- A procedure for reporting a death
- An online way to report a death
- Mailed claim kit
- Terms in its agreements for a customer's death
- A list of required documents
- After-hours or weekend claims line
Citizens Business Bank's Client Services can be reached by phone at 1-888-228-2265 for questions throughout the claims process.
Sources
Data sourced from Citizens Business Bank primary sources (15 pages reviewed). How we research.
Citizens Business Bank death claims support
Client Services
Phone
Toll-free
CitizensTrust Wealth Management
Hours
Mailing address
Website
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