What to do when a First National Bank Alaska account holder dies
Report the death to First National Bank Alaska at 1-800-856-4362
After an account holder at First National Bank Alaska 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 First National Bank Alaska at 1-907-777-4362 with the proper legal authority documents.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what First National Bank Alaska requires:
Filing a claim
- A named POD beneficiary requests distribution of the account funds
- An executor or administrator provides Letters Testamentary or Letters of Administration
- For a small estate, provide Alaska's Affidavit for Collection of Personal Property (Alaska Court System form P-110)
- Certified copies of the death certificate
- Letters Testamentary, Letters of Administration or, for a qualifying estate, Alaska's Affidavit for Collection of Personal Property (court form P-110)
- A cover letter with the deceased account holder's name, the account number and your contact information
Required Documents
- Escrow Application and W-9 for the estate and for each personal representative, to open an "Estate of" escrow or collection accountA copy of ID for each is also required.
- Certified death certificate and court documentation, to open an "Estate of" escrow or collection account
What happens to each kind of account4
- Payable-on-death account
The beneficiary provides the death certificate and their ID to claim the funds directly.1
- Joint account with survivorship
The surviving owner provides the death certificate and keeps access to the account.1
- Account in one name
For an account with no beneficiary or survivorship, the executor or administrator provides Letters Testamentary or Letters of Administration, or Alaska's Affidavit for Collection of Personal Property (form P-110) where the estate qualifies, with their ID.1
- Fiduciary account
Trust, "Estate of", Guardianship and Conservatorship escrow or collection accounts are run by Escrow Services. Its FAQ names an "Estate of" entity and each personal representative as parties.2
Accounts handled elsewhere2
- First National Bank Alaska Wealth Management and Trust
Probate estates; serves as corporate executor or personal representative3
Phone: 1-907-777-4560
- First National Bank Alaska Escrow Services
Trust, "Estate of", Guardianship and Conservatorship escrow or collection accounts2
Phone: 1-907-777-3430
Email: Escrow@FNBAlaska.com
Help First National Bank Alaska offers survivors1
- Will and Trust Safekeeping
First National stores and protects estate-planning documents so they stay accessible to the family, so the original will or trust may be at the bank. Ask the Wealth Management and Trust department whether the decedent used it.3
Not in First National Bank Alaska's published guidance1
- A procedure for reporting a death
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.
- The deceased borrower's full legal name, Social Security number and loan number
- A certified copy of the death certificate
- Continue making payments on the existing loan
- Apply for loss mitigation
- Assume the loan
- Refinance in your own name
- Pay off the remaining balance
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Completed Successor in Interest formObtained from the mortgage servicing department.
- Proof of ownership interest in the propertyA probated will, court order, recorded deed, or trust document showing you as successor trustee or beneficiary.
- Letters Testamentary or Letters of Administration, if going through probate
- Marriage certificate, for a surviving spouse
Claims Contact
Phone: 1-907-777-5600
Forms First National Bank Alaska issues1
- Successor in Interest form
Completed by the successor in interest. Sent by the institution on request.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
- The deceased borrower's full legal name, Social Security number and account number
- A certified copy of the death certificate
- Pay off the outstanding balance
- Refinance the debt
- Negotiate repayment terms
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Completed Successor in Interest form
- Proof of ownership interest in the propertyFor example a probated will, court order, deed or trust document.
- Letters Testamentary or Letters of Administration, if going through probate
- Marriage certificate, for a surviving spouse
Claims Contact
Phone: 1-800-856-4362
Forms First National Bank Alaska issues1
- Successor in Interest form
Completed by the successor in interest. Sent by the institution on request.1
What happens to each kind of account1
- Loan
The Home Equity Application Disclosure lists the "death of all persons liable on the account," alongside transfer of title or sale of the dwelling, among the events that let the bank terminate the Plan and demand the whole balance.2
The disclosure also lets the bank suspend further advances or reduce the credit limit where it reasonably believes the payment obligations cannot be met, a separate power from termination.2
First National Bank Alaska can be reached by phone at 1-800-856-4362 for questions throughout the claims process.
Sources
Data sourced from First National Bank Alaska primary sources (15 pages reviewed). How we research.
First National Bank Alaska death claims support
Phone
Toll-free
Wealth Management and Trust (probate estates)
Escrow Services ("Estate of" escrow and collection accounts)
Home Loan Center (mortgage, successor in interest)
Hours
Mailing address
Website
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