What to do when an Encore Bank account holder dies
Report the death to Encore Bank at 1-844-394-2265
When an account holder at Encore Bank 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 Encore Bank to access and distribute the funds.
Before contacting Encore Bank, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
The death claim process at Encore Bank works as follows:
Filing a claim
What happens to each kind of account2
- Certificate of deposit
The bank says a penalty may be imposed for withdrawing from a CD early; it names no exception for an owner's death.1
- Health savings account
Encore Bank holds the uninvested HSA funds and DataPath Financial Services, Inc. is the custodian. HSA questions go to Encore Bank HSA Client Care.2
State law on paying a balance without lettersFlorida, Texas
- 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.
- Texas
Tex. Est. Code § 152.051
Texas law permits a bank to pay from a deceased depositor's balance on an order of the court, without letters testamentary or letters of administration.Tex. Est. Code § 152.051Verified Oct 3, 2026View source
Paid to: a funeral home or the applicant, for funeral and burial expenses
Limit: $5,000 in total from every holder
When: the application may be filed "not earlier than the third day after the date of the decedent's death and not later than nine 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
- Encore Bank HSA Client Care
Health savings accounts, for which DataPath Financial Services, Inc. is the custodian2
Phone: 1-501-301-0413
Email: hsaclientcare@bankencore.cdhwallet.com
Hours: Monday to Friday, 8 a.m. to 5 p.m. Central
What Encore Bank's agreement and guidance say1
- Which state governs the account
The website's Terms of Use are governed by federal law and the laws of Arkansas. They name no law for the deposit accounts themselves.3
Not in Encore Bank's published guidance13
- 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
- Which court appointment document it accepts
- A mailing address for claim documents
- An online way to report a death
- How long a claim takes
- A small-estate procedure
- Terms in its agreements for a customer's death
- Payments after the death
- Debts owed to the institution
Sources3
- 1.Personal Savings
- 2.Health Savings Account
- 3.Terms of Use, last modified April 2025
Sources
Data sourced from Encore Bank primary sources (21 pages reviewed). How we research.
Encore Bank death claims support
Client Care
Phone
Lost or stolen card, after hours
HSA Client Care
Office
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your Encore Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
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.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
