What to do when a First National Bank (Maine) account holder dies
Report the death to First National Bank (Maine)'s First Phone Banking at 1-800-564-3195
What happens to First National Bank (Maine) 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 First National Bank (Maine)'s First Phone Banking (1-800-564-3195) to claim the funds.
Begin by calling First National Bank (Maine) at 1-800-564-3195. You will need the deceased's full name, account numbers, and the death certificate to get the process started.
Death claim process
Here is the step-by-step death claim process at First National Bank (Maine):
Filing a claim
What happens to each kind of account3
- Account in one name
An account with a single owner passes to that owner's estate at death, unless pay-on-death beneficiaries were named on it.1
- Joint account with survivorship
When one owner of a multiple-owner account dies, the account goes to the owners who survive. After the last owner dies it goes to that owner's estate, or to the pay-on-death beneficiaries if any were named.1
- Payable-on-death account
Pay-on-death beneficiaries named on an account take it when the sole owner dies, or on a joint account when the last surviving owner dies.1
State law on paying a balance without lettersMaine
- Maine
9-B M.R.S. § 427(8)(A)
Maine law permits a bank to pay from a deceased depositor's balance on proof the institution accepts, without letters testamentary or letters of administration.9-B M.R.S. § 427(8)(A)Verified Oct 3, 2026View source
Limit: $1,000 per account
Paid to: the surviving spouse; next of kin; funeral director or other preferred creditor or creditors who may appear to be entitled to the deposit or account
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
Accounts handled elsewhere1
- First National Wealth Management
Trusts and estates where the bank's wealth division is the named trustee or personal representative2
Not in First National Bank (Maine)'s published guidance15
- 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
- A fax number for claim documents
- An email address for claim documents
- An online way to report a death
- How long a claim takes
- A small-estate procedure
- Which court appointment document it accepts
- Payments after the death
- Debts owed to the institution
- Disputes between claimants
- Deposit account agreement
First National Bank (Maine)'s First Phone Banking can be reached by phone at 1-800-564-3195 for questions throughout the claims process.
Sources
(3)·
Data sourced from First National Bank (Maine) primary sources (28 pages reviewed). How we research.
First National Bank (Maine) death claims support
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