What to do when an EagleBank account holder dies
Report the death to EagleBank's Customer Service - Deceased Account Holder at 1-877-575-3245
What happens to EagleBank accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with EagleBank's Customer Service - Deceased Account Holder (1-301-986-1800) to claim the funds.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what EagleBank requires:
Filing a claim
- Give the deceased account holder's name, account numbers and date of death
- Submit a copy of the death certificate
- Payable-on-death account: the beneficiary provides the death certificate and government-issued ID to claim the funds
- Trust account: the successor trustee provides the death certificate, the trust document showing the successor trustee's authority, and trustee ID
- Joint account: the surviving owner provides the death certificate to update the account
- No payable-on-death, trust or joint survivorship: the estate representative provides the appointment document for the decedent's jurisdiction
- IRA: the beneficiary provides the death certificate and ID and completes the IRA distribution or inherited IRA forms
- Payable-on-death beneficiary: the death certificate and ID, to claim the funds directly
- Surviving joint owner: the death certificate, to have the account updated
- Successor trustee: the trust document, the death certificate and trustee identification
- Estate representative: the death certificate plus Maryland Letters of Administration, DC Letters, or a Virginia Certificate of Qualification
Required Documents
- Death certificateA copy. Confirm with EagleBank before paying for certified copies.
- Government-issued photo ID, for the beneficiary, trustee or estate representative
- Maryland Letters of Administration, DC Letters, or a Virginia Certificate of Qualification, whichever matches the decedent's jurisdiction, when there is no payable-on-death, trust or joint survivorshipIssued by the Maryland Register of Wills, the DC Superior Court Probate Division, or a Virginia circuit court clerk.
- Trust document and trustee identification, for a trust accountThe trust document shows the successor trustee's authority.
- IRA beneficiary designation and inherited IRA distribution forms, for an IRA
- Small estate affidavit, where the estate qualifies under Maryland, Virginia or DC law
- CDARS or ICS placement statement, if the decedent held network-placed depositsCDARS and Insured Cash Sweep balances sit at other institutions through EagleBank's network; the placement statement from the branch shows where the funds are held.
- Written stop-payment instruction, if you do not want checks the decedent wrote before the death paid during the ten days the deposit agreement allows
- Proof that check copies are needed for a tax audit or litigation, for check copies at no chargeOtherwise additional check copies cost $5.00 each.
What happens to each kind of account3
- Fiduciary account
Opening a fiduciary account does not make EagleBank a trustee. It takes on no obligation to monitor or enforce the terms of the trust or letters and is not responsible for a fiduciary's misuse of funds.1
- Safe deposit box
EagleBank rents boxes at its branches for $40.00 (3x5), $50.00 (5x5), $75.00 (3x10), $100.00 (5x10) or $170.00 (10x10) a year. Lost-key and drilling fees are quoted by the branch.2
Eagle Premium Interest Checking includes a 3x5 box at no charge.3
- Loan
A home equity line of credit or Premier EagleLine balance does not end at the death. The HELOC draw period ends on the borrower's death, and the HELOC has its own successor-in-interest process.3
State requirements EagleBank statesDistrict of Columbia, Maryland, Virginia
- District of Columbia
Under the agreement's District of Columbia terms, a single-party account passes "as part of the party's estate," as does a multiple-party account without right of survivorship. A single-party account with a pay-on-death designation passes to the POD beneficiaries and "is not part of the party's estate."1
A multiple-party account with right of survivorship passes to the survivors; where two or more survive and one is the spouse, the deceased party's share belongs to the spouse, otherwise it is divided equally. With a POD designation, it passes to the POD beneficiaries at the last survivor's death.1
- Maryland
Under the agreement's Maryland terms, "Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties." A joint account with no survivorship (tenants in common) does not pass to the survivors.1
A "Revocable Trust or Pay-On-Death Account" is one category. Beneficiaries cannot withdraw unless all persons creating the account have died and the beneficiary is then living, and two or more surviving beneficiaries "will own this account in equal shares, without right of survivorship."1
- Virginia
Under the agreement's Virginia terms, a joint account with survivorship passes the deceased party's ownership to the surviving parties, subject to any pledge EagleBank agreed to. A joint account with no survivorship passes each party's interest "as a part of your estate under a will, trust, or by intestacy."1
A "Revocable Trust or Pay-On-Death Account" is one category. Beneficiaries cannot withdraw unless all persons creating the account have died and the beneficiary is then living, and two or more surviving beneficiaries "will own this account in equal shares, without right of survivorship."1
What EagleBank provides to the estate1
What EagleBank's agreement and guidance say5
- Telling the institution
Under "DEATH OR INCOMPETENCE," the owners agree to notify EagleBank promptly of a death. EagleBank may continue to honor checks, items and instructions until it knows of the death and has had a reasonable opportunity to act on that knowledge.1
- Payments after the death
EagleBank may pay or certify checks drawn on or before the date of death "for up to ten (10) days after your death" unless ordered to stop payment by someone claiming an interest in the account.1
- Fees
A stop payment costs $32.00, or $20.00 if placed through online banking.2
- Debts owed to the institution
EagleBank may, "without prior notice and when permitted by law," set off funds in the account against any due and payable debt any owner owes it, including an accelerated promissory-note balance.1
Set-off does not reach an IRA or similar tax-deferred account, a debt under a credit card plan (without affecting a consensual security interest), or an account where "the debtor's right of withdrawal only arises in a representative capacity."1
- Deposits after the death
If EagleBank must reimburse the federal government for a directly deposited benefit payment, it may deduct the amount "from the account or from any other account you have with us, without prior notice and at any time."1
Not in EagleBank's published guidance2
- Whether the death certificate must be certified
- How long a claim takes
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.
- Give the deceased borrower's name, account number and date of death
- Submit a copy of the death certificate
- Request documentation from EagleBank on Successor in Interest status
- Provide proof of ownership interest in the property (probated will, court order, deed or trust document)
- Pay off the outstanding balance
- Refinance or negotiate repayment terms
Required Documents
- Death certificateA copy.
- Government-issued photo ID, for the heir or personal representative
- Documentation proving ownership interest in the propertyA probated will, court order, recorded deed or trust document.
- Letters Testamentary or Letters of Administration, if going through probate
- Marriage certificate, for a surviving spouse
Claims Contact
Phone: 1-301-986-1800
What happens to each kind of account1
- Loan
The HELOC draw period ends on the borrower's death; no additional draws can be made.1
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Sources1
EagleBank's Customer Service - Deceased Account Holder can be reached by phone at 1-877-575-3245 and email at contactme@eaglebankcorp.com for questions throughout the claims process.
Sources
Data sourced from EagleBank primary sources (15 pages reviewed). How we research.
EagleBank death claims support
Customer Service - Deceased Account Holder
Phone
Toll-free
Existing accounts and online banking support
Hours
Mailing address
Website
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