What to do when a First United Bank account holder dies
Contact First United Bank's First United Bank Trust — 5-step process, 5 required documents, and varies based on account type and whether probate is required. pod and beneficiary accounts settle on proof of death; probated estates depend on court timelines.
Customer Service
First United Bank, P.O. Box 130, Durant, OK 74702
First United Bank Trust
First United Bank, P.O. Box 130, Durant, OK 74702
Customer Service
First United Bank, P.O. Box 130, Durant, OK 74702
What happens to First United Bank 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 United Bank's Customer Service ((580) 924-2211) to claim the funds.
Begin by calling First United Bank at (580) 924-2211. You will need the deceased's full name, account numbers, and a certified death certificate to get the process started.
Death claim process
Here is the step-by-step death claim process at First United Bank:
Filing a claim
- Certified copy of the death certificate
- Government-issued photo ID for the person reporting
- Your relationship to the deceased and the deceased's account information
- Letters Testamentary or Letters of Administration (if probate is required)
- Small estate affidavit (if the estate qualifies under Oklahoma or Texas law)
- POD or beneficiary claim documentation (if named on the account)
- POD deposit accounts pass to the named beneficiary on proof of death and ID
- IRA accounts pass to the named beneficiary
- Jointly held accounts with right of survivorship pass to the surviving owner
- Solely owned accounts with no beneficiary pass to the estate and may require court letters or a small estate affidavit
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration (if the estate is administered through probate)
- Small estate affidavit or state-specific transfer documentation (if the estate qualifies under Oklahoma or Texas law)
- Trust agreement or Certification of Trust (if accounts are held in trust)
What to know at this institution
First United Bank does not publish a separate online estate-claims procedure. The contact page directs all account-specific requests (including those for a deceased account holder) to a branch, the secure chat inside online banking, or the main line, (580) 924-2211. For Oklahoma residents, a small estate (affidavit) procedure may allow collection of bank accounts without full probate; the threshold and requirements are set by Oklahoma statute. For Texas residents, a Small Estate Affidavit filed with the probate court covers estates under the state threshold. Confirm the document list with the bank before visiting.
Prepare your letter of instruction to First United Bank
First United Bank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to First United Bank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionOpening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
How to open an estate account at First United Bank →Processing timelines at First United Bank: Varies based on account type and whether probate is required. POD and beneficiary accounts settle on proof of death; probated estates depend on court timelines. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
First United Bank requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration (if the estate is administered through probate), 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
First United Bank does not publish an online estate-claims process. Call (580) 924-2211 or visit a local branch in Oklahoma or Texas to report the death of an account holder. Bring a certified copy of the death certificate and your government-issued photo ID. Depending on how the account was titled, the bank may also request Letters Testamentary or Letters of Administration, a small estate affidavit, or POD beneficiary documentation.
No. The SmartStart Kids Club is a youth savings account for account holders age 17 and under, typically held jointly with a parent or guardian. Payable on Death (POD) beneficiary designations and trust retitling do not apply to this account type. Standard personal Savings, checking, money market, and CD accounts are eligible for POD beneficiaries.
First United Bank's Customer Service can be reached by phone at (800) 924-4427 and fax at (580) 916-3287 for questions throughout the claims process.
When the deceased had multiple First United Bank accounts, some may need separate claims while others can be handled together. The Customer Service can clarify what's needed for each account type.
Sources
Data sourced from First United Bank primary sources (10 pages reviewed). How we research.
Customer Service
First United Bank, P.O. Box 130, Durant, OK 74702
First United Bank Trust
First United Bank, P.O. Box 130, Durant, OK 74702
Customer Service
First United Bank, P.O. Box 130, Durant, OK 74702
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