What to do when a Enterprise Bank account holder dies
Contact Enterprise Bank's Rockland Trust Investment Management Group (estate settlement and professional Personal Representative services) — 7-step process, 6 required documents, and varies by account type and documentation; pod claims may be processed within a few business days. probate-dependent claims take longer depending on court processing times.
Brand change
Enterprise Bancorp, Inc. merged into Independent Bank Corp. and Enterprise Bank and Trust Company merged into Rockland Trust Company, with Rockland Trust the surviving bank, at a legal closing effective July 1, 2025 (Independent Bank Corp. deal-close press release, SEC EX-99.1). Customer accounts converted the weekend of October 11 and transitioned to Rockland Trust on Tuesday, October 14, 2025; all former Enterprise Bank branches now operate as Rockland Trust locations and the routing number is 011304478. The Enterprise Bank brand no longer operates. Existing POD beneficiary designations, IRA beneficiary designations, and trust account titling remain in effect, and a death claim on a former Enterprise Bank account is handled by Rockland Trust today: call the Customer Information Center at 508-732-7072 or write to Rockland Trust, ATTN: Deposit Services, 288 Union Street, Rockland, MA 02370. Effective July 2025.
Enterprise Bank is now part of Rockland Trust. The procedures below reflect Enterprise Bank's accounts during the transition. View the Rockland Trust estate planning page.
Customer Information Center (Rockland Trust)
Rockland Trust, 288 Union Street, Rockland, MA 02370
Rockland Trust Investment Management Group (estate settlement and professional Personal Representative services)
Rockland Trust, 288 Union Street, Rockland, MA 02370
Rockland Trust Customer Information Center / Deposit Services (successor to Enterprise Bank)
Rockland Trust, ATTN: Deposit Services, 288 Union Street, Rockland, MA 02370
After an account holder at Enterprise Bank dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Enterprise Bank's Rockland Trust Customer Information Center / Deposit Services (successor to Enterprise Bank) at 508-732-7072 with the proper legal authority documents.
Enterprise Bank provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Enterprise Bank:
Filing a claim
- Call 508-732-7072 or visit any branch
- Provide the deceased account holder's name, account number(s), and date of death
- Submit a certified copy of the death certificate
- 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
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 Massachusetts or New Hampshire law)
Claims Contact
What to know at this institution
Enterprise Bank is gone as a brand: a claim on a former Enterprise Bank account is a Rockland Trust claim today. POD account funds pass directly to named beneficiaries without probate. Per the Rockland Trust Personal Deposit Account Agreement (https://www.rocklandtrust.com/assets/files/T7YMA5SW), an unwritten trust ("Totten trust") deposit account belongs to the depositor during life and the named beneficiary has no interest and no access until the depositor's death; on the death of the trustee (or both trustees), the funds are owned in equal shares by the then-living named beneficiaries (or their legal representatives) and are NOT inherited by heirs or controlled by the will. For a written trust deposit account, the bank may require a certification of trust and the name and address of each beneficiary (all of whom must be natural persons), and it does not monitor a trustee's acts. Joint deposit accounts are offered with right of survivorship and pass to the surviving joint owner(s); Rockland Trust states that FDIC insurance continues to treat a joint account as if the deceased co-owner were still alive for up to six months, giving survivors and executors time to restructure accounts within coverage limits. The bank has no obligation to notify beneficiaries of an account. Written notice of death and stop-payment instructions go to Rockland Trust, ATTN: Deposit Services, 288 Union Street, Rockland, MA 02370, or by phone to 508-732-7072. Beyond deposit claims, the Rockland Trust Investment Management Group will serve as professional Personal Representative (Executor) of an estate — inventorying and valuing probate assets, preparing estate accountings, paying debts and administrative expenses, filing tax returns and paying taxes owed, and distributing the remaining assets to beneficiaries.
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.
- Call 508-732-7072 or visit any Rockland Trust branch location
- Provide the deceased borrower's name, account number, and date of death
- Submit a certified copy of the death certificate
- Request Successor in Interest documentation from the bank
- 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
- 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: 508-732-7072
What to know at this institution
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Rockland Trust 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 Enterprise Bank
Enterprise Bank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Enterprise Bank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionProcessing timelines at Enterprise Bank: Varies by account type and documentation; POD claims may be processed within a few business days. Probate-dependent claims take longer depending on court processing times. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Enterprise Bank requires several documents to process a claim, including 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), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Yes, and the Enterprise Bank brand no longer operates. The legal closing was effective July 1, 2025: Enterprise Bancorp, Inc. merged into Independent Bank Corp. and Enterprise Bank and Trust Company merged into Rockland Trust Company, with Rockland Trust as the surviving bank. Customer accounts converted the weekend of October 11 and transitioned to Rockland Trust on Tuesday, October 14, 2025; all former Enterprise Bank branches now operate as Rockland Trust locations. Account numbers generally remained unchanged and the routing number is now 011304478. Existing POD beneficiary designations, trust account titling, and IRA beneficiary designations remain in effect. If you are settling an estate that holds a former Enterprise Bank account, the claim goes to Rockland Trust today: call 508-732-7072 or write to Rockland Trust, ATTN: Deposit Services, 288 Union Street, Rockland, MA 02370.
Yes. Existing Payable on Death (POD) beneficiary designations, IRA beneficiary designations, and trust account titling from Enterprise Bank remain in effect under Rockland Trust. No action is required to maintain existing designations. However, it is recommended to contact Rockland Trust at 508-732-7072 or visit any branch to confirm that existing designations are properly recorded in the new system.
Notify Rockland Trust of the account holder's death by calling 508-732-7072 or visiting any branch. Provide a certified copy of the death certificate and government-issued photo ID. POD beneficiaries can typically claim funds directly with the death certificate and ID. Joint account survivors retain access by right of survivorship. For accounts without POD, trust, or joint titling, the executor or administrator must provide Letters Testamentary or Letters of Administration from probate court. Massachusetts estates that are entirely personal property not exceeding $25,000 plus one motor vehicle may qualify for voluntary administration under Mass. Gen. Laws ch. 190B, 3-1201 (filed at least 30 days after death). Note that under the deposit account agreement the bank may still pay debits drawn on or before the date of death for up to ten days after death unless a stop payment is placed, so notify the bank in writing promptly to halt automatic payments.
Enterprise Bank's Rockland Trust Customer Information Center / Deposit Services (successor to Enterprise Bank) can be reached by phone at 508-732-7072 for questions throughout the claims process.
Multiple Enterprise Bank accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Rockland Trust Customer Information Center / Deposit Services (successor to Enterprise Bank) to confirm what applies.
Sources
Data sourced from Enterprise Bank primary sources (17 pages reviewed). How we research.
Customer Information Center (Rockland Trust)
Rockland Trust, 288 Union Street, Rockland, MA 02370
Rockland Trust Investment Management Group (estate settlement and professional Personal Representative services)
Rockland Trust, 288 Union Street, Rockland, MA 02370
Rockland Trust Customer Information Center / Deposit Services (successor to Enterprise Bank)
Rockland Trust, ATTN: Deposit Services, 288 Union Street, Rockland, MA 02370
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