What to do when a City National Bank of Florida account holder dies
Report the death to City National Bank of Florida at 1-833-448-6500
When an account holder at City National Bank of Florida 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 City National Bank of Florida's Wealth Management & Trust Services (1-833-448-6500) to access and distribute the funds.
The first step is contacting City National Bank of Florida at 1-833-448-6500 with the account holder's full name, account numbers, and the death certificate in hand.
Death claim process
Follow these steps to file a death claim with City National Bank of Florida:
Filing a claim
What happens to each kind of account3
- Certificate of deposit
The fee disclosure states: "CNB is required to honor a request for withdrawal prior to maturity, without assessing a penalty, in the event of the death or judicially declared mental incompetence of the owner of the account."1
A certificate renews automatically unless its disclosure says otherwise. Funds can be withdrawn without penalty within two business days of maturity for terms under 30 days, or ten calendar days for terms of 30 days or more.1
- Loan
The home equity line of credit disclosure lists the "death of all persons liable on the account" among the events that let the bank terminate the line and require the entire outstanding balance in one payment.2
- Safe deposit box
The bank charges $175 to drill a safe deposit box and holds a $20 key deposit.1
State law on paying a balance without lettersFlorida
- Florida
Fla. Stat. § 735.303
Florida law permits a bank to pay from a deceased depositor's balance on an affidavit made under oath, without letters testamentary or letters of administration.Fla. Stat. § 735.303Verified Oct 3, 2026View source
Paid to: family member (surviving spouse; else adult child; else adult descendant; else parent)
Limit: $2,000 held at the institution and $2,000 in total from every holder
When: not earlier than 6 months after the date of the decedent’s death
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
Accounts handled elsewhere1
- City National Private Wealth Management & Trust Services
Trust administration, estate settlement and fiduciary services for City National Private clients3
Phone: 1-833-448-6500
What City National Bank of Florida's agreement and guidance say2
Not in City National Bank of Florida's published guidance11
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- A list of required documents
- Whether the death certificate must be certified
- A mailing address for claim documents
- An online way to report a death
- How long a claim takes
- Which court appointment document it accepts
- A small-estate procedure
- Deposit Agreement, for deposit accounts
Sources3
City National Bank of Florida's Wealth Management & Trust Services can be reached by phone at 1-833-448-6500 for questions throughout the claims process.
Sources
(3)·
Data sourced from City National Bank of Florida primary sources (21 pages reviewed). How we research.
City National Bank of Florida death claims support
Client Care
Phone
Toll-free
Lost, stolen or declined debit card (after business hours)
Treasury Management Support
Emergency Information Line
Interest rates and APYs
Hours
Mailing address
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your City National Bank of Florida accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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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.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
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A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
