What to do when a EagleBank account holder dies
Contact EagleBank's Estate and Trust Services — 8-step process, 7 required documents, and varies by account type and documentation; pod claims may be processed faster than probate-dependent claims. probate-dependent claims wait on the maryland register of wills, the dc superior court probate division, or virginia circuit court qualification.
Customer Service
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
TeleBank (24/7 Account Info & Transfers)
ATM and Debit Card Support (24/7)
WebsiteLearn more→
Estate and Trust Services
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
WebsiteLearn more→
Customer Service - Deceased Account Holder
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, Attn: Customer Service, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
WebsiteNotify online→
Verified Jul 2026
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 Estate and Trust Services (301.986.1800) to claim the funds.
Death claims at EagleBank can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what EagleBank requires:
Filing a claim
1
Notify EagleBank as soon as possible (https://www.eaglebankcorp.com/contact/):
- Call 301.986.1800 or toll-free 877.575.3245, or visit any EagleBank branch (https://www.eaglebankcorp.com/locations/)
- Provide the deceased account holder's name, account number(s), and date of death
- Submit a certified copy of the death certificate
2
EagleBank has no death-claim portal and no downloadable claim form. Claims run through the branch network — 13 branches plus Premier Banking across Bethesda, Chevy Chase, Park Potomac, Rockville (Shady Grove and Twinbrook), Silver Spring, Arlington (Ballston), Fairfax, Tysons Corner, and three DC offices (Gallery Place, K Street, McPherson Square). The commercial lending offices in Bethesda, Lanham, Tysons, and DC are not branches and cannot take a claim.
3
Individual accounts are typically frozen to prevent unauthorized transactions.
4
Joint accounts with right of survivorship generally remain accessible to the surviving account holder.
5
Provide documentation based on account type:
- POD accounts: beneficiary provides certified death certificate and valid government-issued ID to claim funds
- Trust accounts: successor trustee provides death certificate, trust document evidencing successor trustee authority, and trustee ID
- Joint accounts: surviving account holder provides certified death certificate to update the account
- Accounts without POD, trust, or joint survivorship: the estate representative provides the appointment document from the right office for the decedent's jurisdiction (see the next step)
- IRA accounts: beneficiary provides death certificate, valid ID, and completes applicable IRA distribution or inherited IRA forms
- CDARS and Insured Cash Sweep balances: these sit in deposits placed at other FDIC-insured institutions through EagleBank's network, so ask the branch for the placement statement showing where the funds are held before you inventory the estate
6
Bring the appointment document that matches where the decedent lived — EagleBank's three jurisdictions issue different paperwork:
- Maryland: the Register of Wills for the county (or Baltimore City) admits the will and appoints the personal representative administratively, then issues Letters of Administration
- District of Columbia: the Probate Division of the DC Superior Court (Register of Wills) issues Letters of Administration or Letters Testamentary
- Virginia: the personal representative qualifies before the circuit court clerk and receives a Certificate of Qualification, which is the document EagleBank will read
7
Complete any required claim or transfer forms provided by the bank.
8
A HELOC or Premier EagleLine balance does not disappear at death — see the Successor in Interest process on the HELOC product below, and expect the draw period to end on the borrower's death.
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary, trustee, or estate representative
- Maryland Letters of Administration (Register of Wills), DC Letters (Superior Court Probate Division), or a Virginia Certificate of Qualification (circuit court clerk) — whichever matches the decedent's jurisdiction, when there is no POD, trust, or joint survivorship
- Trust document and trustee identification (for trust accounts)
- IRA beneficiary designation and inherited IRA distribution forms (for IRA accounts)
- Small estate affidavit, where the estate qualifies under Maryland, Virginia, or DC law
- CDARS or ICS placement statement, if the decedent held network-placed deposits
Claims Contact
What to know at this institution
EagleBank is a Maryland chartered commercial bank and Federal Reserve member; it is not a trust company and does not act as trustee, so an estate that needs a corporate fiduciary must look elsewhere. POD account funds pass directly to named beneficiaries without probate. Trust account funds pass under the trust terms on the death of the last surviving trustee. FDIC coverage matters when an estate is deciding what to leave in place: EagleBank's own FDIC Insurance Information notice (https://www.eaglebankcorp.com/media/filer_public/77/61/7761d5df-bfe0-427e-9f47-b5b4dcf7fe94/website_fdicinsurancenotice_052020_final.pdf) states that trust accounts are insured to $250,000 per owner per beneficiary (subject to FDIC requirements), joint accounts to $250,000 per co-owner, and IRAs to $250,000 per owner. EagleBank publishes no deposit account agreement PDF and no downloadable death-claim form; claims are handled in branch, by phone, or by mail to the Bethesda headquarters.
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. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower’s revocable trust.
1
Notify EagleBank of the borrower's death:
- Call 301.986.1800 or visit a branch location
- Provide the deceased borrower's name, account number, and date of death
- Submit a certified copy of the death certificate
2
Complete the Successor in Interest process:
- Request documentation from EagleBank regarding Successor in Interest status
- Provide proof of ownership interest in the property (probated will, court order, deed, or trust document)
3
Once confirmed as Successor in Interest, discuss options:
- Pay off the outstanding balance
- Refinance or negotiate repayment terms
4
The HELOC draw period ends upon the borrower's death; no additional draws can be made
5
Continue making minimum payments on the outstanding balance during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property (probated will, court order, recorded deed, or trust document)
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Claims Contact
Phone: 301.986.1800
What to know at this institution
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), EagleBank cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust.
Prepare your letter of instruction to EagleBank
EagleBank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to EagleBank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionOpening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
How to open an estate account at EagleBank →How long the process takes at EagleBank: Varies by account type and documentation; POD claims may be processed faster than probate-dependent claims. Probate-dependent claims wait on the Maryland Register of Wills, the DC Superior Court Probate Division, or Virginia circuit court qualification. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by EagleBank includes Certified death certificate, Government-issued photo ID for beneficiary, trustee, or estate representative, and Maryland Letters of Administration (Register of Wills), DC Letters (Superior Court Probate Division), or a Virginia Certificate of Qualification (circuit court clerk) — whichever matches the decedent's jurisdiction, when there is no POD, trust, or joint survivorship, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
EagleBank takes POD beneficiary designations in person at a branch — there is no online path and no downloadable form. Visit any EagleBank branch (https://www.eaglebankcorp.com/locations/) with a valid government-issued photo ID and bring the full legal name, date of birth, and Social Security number for each beneficiary, plus the relationship and percentage allocation (must total 100%). POD designations are available on Eagle Relationship Checking, Eagle Relationship Interest Checking, Eagle Premium Interest Checking, Eagle Savings, Eagle High-Yield Savings, Eagle Money Market, CDs, CDARS, and Insured Cash Sweep. IRA beneficiaries require a separate IRA beneficiary form. Note that the commercial lending offices in Bethesda, Lanham, Tysons, and DC are not branches and cannot take the designation.
The draw period ends on the borrower's death and no further draws can be taken. Heirs should call 301.986.1800 (or reach Christine Andrukitis, VP and Consumer Loan Manager, at 240.406.1144, NMLS# 484627), submit a certified death certificate, and complete the Successor in Interest process by showing an ownership interest in the property — a probated will, court order, recorded deed, or trust document. Under the federal Garn-St. Germain Act (12 U.S.C. 1701j-3), EagleBank cannot accelerate the loan when the property passes to a surviving spouse, a child, a relative on death, or the borrower's revocable living trust. Heirs may pay off the balance, refinance, or negotiate terms, and should keep making the minimum payment (the greater of $100 or the accrued interest due) during the review to avoid default.
EagleBank serves three jurisdictions that appoint estate representatives differently, and it will ask for the one that matches where the decedent lived. In Maryland, the Register of Wills for the county (or Baltimore City) appoints the personal representative administratively and issues Letters of Administration. In the District of Columbia, the Probate Division of the DC Superior Court issues the Letters. In Virginia, the personal representative qualifies before the circuit court clerk and receives a Certificate of Qualification — Virginia does not use the phrase "Letters Testamentary" in practice. Bring that document with a certified death certificate and your photo ID to any branch, or mail it to EagleBank, Attn: Customer Service, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814. Where the estate qualifies as a small estate under Maryland, Virginia, or DC law, the corresponding small estate affidavit can substitute.
EagleBank's Customer Service - Deceased Account Holder can be reached by phone at 877.575.3245 and email at ContactMe@EagleBankCorp.com for questions throughout the claims process.
When the deceased had multiple EagleBank accounts, some may need separate claims while others can be handled together. The Estate and Trust Services can clarify what's needed for each account type.
Sources
Data sourced from EagleBank primary sources (18 pages reviewed). How we research.
Customer Service
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
TeleBank (24/7 Account Info & Transfers)
ATM and Debit Card Support (24/7)
WebsiteLearn more→
Estate and Trust Services
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
WebsiteLearn more→
Customer Service - Deceased Account Holder
Phone301.986.1800
Toll-Free877.575.3245
Mailing Address
EagleBank, Attn: Customer Service, 7500 Old Georgetown Road, Suite 1500, Bethesda, MD 20814
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your EagleBank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
