What to do when a EagleBank account holder dies
Contact EagleBank's Estate and Trust Services — 5-step process, 6 required documents, and varies by account type and documentation; pod claims may be processed faster than probate-dependent claims.
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 May 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
Individual accounts are typically frozen to prevent unauthorized transactions.
3
Joint accounts with right of survivorship generally remain accessible to the surviving account holder.
4
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: executor or administrator provides Letters Testamentary or Letters of Administration from probate court
- IRA accounts: beneficiary provides death certificate, valid ID, and completes applicable IRA distribution or inherited IRA forms
5
Complete any required claim or transfer forms provided by the bank.
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary, trustee, or estate representative
- Letters Testamentary or Letters of Administration (if 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 (if eligible under Maryland, Virginia, or DC law)
POD account funds pass directly to named beneficiaries without probate. Trust account funds pass to beneficiaries according to the trust terms upon death of the last surviving trustee. Beneficiaries and executors are encouraged to visit a branch in person with original or certified documents.
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)
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.
How long the process takes at EagleBank: Varies by account type and documentation; POD claims may be processed faster than probate-dependent claims. 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 Letters Testamentary or Letters of Administration (if 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 requires POD beneficiary designations to be added in person at a branch. Visit any of EagleBank's 18 locations (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, along with 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 accounts. IRA beneficiary designations require a separate IRA beneficiary form. Online beneficiary designation is not available.
When an EagleBank HELOC borrower dies, the draw period ends and no additional draws can be made on the line of credit. Heirs or successors should call 301.986.1800 to notify EagleBank, submit a certified death certificate, and complete the Successor in Interest process by providing proof of ownership interest in the property (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 transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Heirs may pay off the balance, refinance, or negotiate repayment terms while continuing to make minimum monthly payments to avoid default.
EagleBank requires a certified copy of the death certificate plus documentation appropriate to the account type: POD beneficiaries present a government-issued photo ID matching the designation; surviving joint owners present their ID and the death certificate; successor trustees provide the trust document and trustee identification; estate representatives present Letters Testamentary or Letters of Administration from a Maryland, Virginia, or DC probate court (or a Small Estate Affidavit if the estate qualifies under state law). IRA beneficiaries must also complete inherited IRA distribution forms. Visit any branch in person or call 301.986.1800 / 877.575.3245 to begin the claim.
EagleBank is a Maryland chartered commercial bank and member of the Federal Reserve System; it is not a trust company and does not act as a trustee or provide trust or estate administration services. EagleBank can hold deposit accounts (checking, savings, money market, CDs) titled in the name of a trust and can process death claims for individual, joint, POD, IRA, and trust deposit accounts, but estate planning documents and fiduciary administration must be handled by a licensed attorney or independent trust company.
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.
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 May 2026
Estate planning articles
Learn how to protect your EagleBank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
