What to do when a First National Bank Alaska account holder dies
Contact First National Bank Alaska's Wealth Management & Trust — 5-step process, 7 required documents, and 5-10 business days after all documentation is received, though complex estates may take longer
Customer Service
Phone907-777-4362
Toll-Free1-800-856-4362
EmailFNBA@FNBAlaska.com
Mailing Address
First National Bank Alaska, PO Box 100720, Anchorage, AK 99510
TTY (Hearing Impaired)
Home Loan Center
WebsiteLearn more→
Death Claims / Estate Services
Phone907-777-4362
Toll-Free1-800-856-4362
Mailing Address
First National Bank Alaska, PO Box 100720, Anchorage, AK 99510
WebsiteNotify online→
Verified Apr 2026
After a First National Bank Alaska account holder 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's Wealth Management & Trust at 907-777-4362 with the proper legal authority documents.
Death claims at First National Bank Alaska 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 First National Bank Alaska requires:
Filing a claim
1
Notify First National Bank Alaska of the account holder's death by visiting a local branch or calling 800-856-4362
2
Gather required documentation:
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant
3
Choose the appropriate settlement path:
- For accounts with POD beneficiary: provide the death certificate and beneficiary ID to claim funds directly
- For joint accounts with right of survivorship: provide the death certificate; surviving owner retains access to the account
- For accounts without beneficiary or survivorship: obtain Letters Testamentary, Letters of Administration, or a Small Estate Affidavit from the court and provide along with the executor or administrator's ID
4
If needed, open an estate account at a First National Bank Alaska branch to manage estate proceeds and pay bills
5
First National Bank Alaska will review submitted documentation and process the claim
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant (beneficiary, executor, or administrator)
- Account information for the deceased (account numbers if available)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from the court
- For small estates: Small Estate Affidavit as permitted under Alaska Statutes § 13.16.680
- For trust accounts: trust documentation including successor trustee provisions and trustee ID
- For IRA accounts: IRA beneficiary claim forms and applicable distribution election forms
Visiting a local branch is the most direct way to initiate the estate settlement process. A First National Bank Alaska branch team member can help open an estate account if needed to manage proceeds and pay estate obligations. Alaska has no state estate tax or inheritance tax. Under Alaska Statutes § 13.16.680, estates valued at $100,000 or less may qualify for simplified small estate procedures.
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 First National Bank Alaska of the borrower's death by calling the Home Loan Center at 907-777-5600 or visiting a local branch
2
Provide initial information:
- Deceased borrower's full legal name, Social Security number, and loan number
- Certified copy of the death certificate
3
Request the Successor in Interest documentation package from the mortgage servicing department
4
Complete and return the Successor in Interest form with supporting documentation proving your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
5
First National Bank Alaska will review your documentation and confirm your status as a Successor in Interest
6
Once confirmed, choose from available options:
- Continue making payments on the existing loan
- Apply for loss mitigation
- Assume the loan
- Refinance in your own name
- Pay off the remaining balance
7
Continue making monthly mortgage payments 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
- Completed Successor in Interest form (obtained from mortgage servicing department)
- Documentation proving ownership interest in the property: 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 (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. § 1701j-3), First National Bank Alaska 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. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules. Home Loan Center: 907-777-5600.
Processing timelines at First National Bank Alaska: 5-10 business days after all documentation is received, though complex estates may take longer. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by First National Bank Alaska includes Certified copy of the death certificate, Valid government-issued photo ID for the claimant (beneficiary, executor, or administrator), and Account information for the deceased (account numbers if available), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
When an account holder with a POD (Payable on Death) designation dies, the named beneficiary can claim the account funds by visiting a First National Bank Alaska branch with a certified copy of the death certificate and a valid government-issued photo ID. POD accounts bypass the probate process and pass directly to the named beneficiary.
The documents depend on how the account is titled. For POD accounts, you need a certified death certificate and government-issued photo ID. For accounts without POD designation, you need the death certificate plus Letters Testamentary or Letters of Administration from an Alaska court. For small estates valued at $100,000 or less, Alaska Statutes 13.16.680 may allow a simplified Small Estate Affidavit. For trust accounts, provide trust documentation showing you as successor trustee along with the death certificate.
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), First National Bank Alaska cannot enforce a due-on-sale clause when you transfer your home to your own revocable living trust. Your loan terms, interest rate, and payment schedule remain unchanged. The same protection applies when the property transfers to a surviving spouse or child upon the borrower's death.
First National Bank Alaska's Death Claims / Estate Services can be reached by phone at 1-800-856-4362 for questions throughout the claims process.
Multiple First National Bank Alaska accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Wealth Management & Trust to confirm what applies.
Customer Service
Phone907-777-4362
Toll-Free1-800-856-4362
EmailFNBA@FNBAlaska.com
Mailing Address
First National Bank Alaska, PO Box 100720, Anchorage, AK 99510
TTY (Hearing Impaired)
Home Loan Center
WebsiteLearn more→
Death Claims / Estate Services
Phone907-777-4362
Toll-Free1-800-856-4362
Mailing Address
First National Bank Alaska, PO Box 100720, Anchorage, AK 99510
WebsiteNotify online→
Verified Apr 2026
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