FirstBank (Colorado)
Subsidiary of PNC Financial Services Group (acquisition completed January 5, 2026)
pnc.com/en/welcome/first-bank.htmlWhat to do when a FirstBank (Colorado) account holder dies
Report the death to FirstBank (Colorado)'s PNC Estate and Decedent Processing at 1-888-762-2265
FirstBank (Colorado) merged into PNC BankMerged, effective June 2026
FirstBank was acquired by PNC Financial Services Group (legal close January 5, 2026). All 95 branches in Colorado and Arizona reopened as PNC Bank branches on June 22, 2026; account and routing numbers changed at conversion, and estate matters are handled by PNC.
After an account holder at FirstBank (Colorado) 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 FirstBank (Colorado)'s PNC Estate and Decedent Processing at 1-888-762-2265 with the proper legal authority documents.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what FirstBank (Colorado) requires:
Filing a claim
- Call 1-888-762-2265 (1-888-PNC-BANK), Monday-Friday 8:00 a.m. to midnight ET or Saturday-Sunday 8:00 a.m. to 5:00 p.m. ET.
- Or schedule a branch appointment for Estate and Decedent Processing at pnc.com.
Required Documents
- Death certificateAn original death certificate or a certified copy.
- Your own government-issued photo ID
- The deceased account holder's name and account number or numbersLegacy FirstBank numbers still identify the account.
- State-specific appointment documentation, depending on the stateA certified copy of Letters of Administration or Letters Testamentary issued by the probate court, a court order, a letter of appointment for a personal representative, or a short certificate.
- Trust agreement or certification of trust, if the account is held in trust
What happens to each kind of account4
- Payable-on-death account
A payable-on-death or in-trust-for account transfers to the surviving named beneficiaries and is not part of the estate.1
- Joint account with survivorship
A joint account passes to the surviving joint owner. PNC treats joint accounts as carrying survivorship rather than as tenancies in common.1
- Account in one name
An account with no beneficiary and no surviving joint owner is released to the personal representative against Letters Testamentary or Letters of Administration.1
- Safe deposit box
A FirstBank safe deposit box rental agreement continues unchanged under PNC, on its existing terms. Ask the banker about the box at the branch appointment.1
What FirstBank (Colorado)'s agreement and guidance say5
- Telling the institution
Each joint depositor agrees to notify PNC promptly of another depositor's death by providing a copy of the death certificate.2
- Payments after the death
PNC keeps the right "to pay any checks and to carry out any transfer orders authorized by the deceased depositor for a period of 10 days (or as otherwise provided under applicable law) after the date of death," unless a surviving joint depositor or the legal representative instructs it to stop.2
- What it does when notified
PNC "reserve[s] the right to refuse withdrawals from your Account until any legal requirements are met."2
- Deposits after the death
If PNC receives or releases funds after the death and then has to pay a tax or reclamation claim to a government agency, "the estate of the deceased depositor will be liable for reimbursing us." PNC may hold or freeze the funds subject to that claim until it is resolved.2
- Accounts from a merged institution
Account numbers and bank routing numbers changed at the June 22, 2026 conversion. Checks written on a FirstBank account number and routing number are processed against the corresponding PNC account, and PNC has set no end date for that.1
A FirstBank HSA received a new account number and moved to the PNC BeneFit Plus portal. FirstBank mortgage servicing moved to PNC on June 1, 2026, with construction and lot loans following on June 19, 2026.1
Not in FirstBank (Colorado)'s published guidance1
- An online way to report a death
Sources2
- 1.Estate & Decedent Processing
- 2.Account Agreement for Personal Accounts (form RDAOPM11-0526), effective May 31, 2026
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.
Required Documents
- Copy of the borrower's death certificate
- PNC Intent QuestionnaireCompleted, stating your intentions for the property.
- Copy of the recorded deed showing that ownership, if the property was held as joint tenants with right of survivorship or as tenants by the entirety
- Letters Testamentary or Letters of Administration, if the estate is administered in probate courtProof of appointment as personal representative.
- Copy of the probated will, if the property passes under a willWith proof of a filing date after the date of death.
- Complete trust agreement or certificate of trust, if the property is in a trustShowing the trustee's authority and how the property is distributed.
- Recorded deed transferring the property to the trustee, if the property is in a trustAlso the deed from the trustee to a beneficiary if the property has already been distributed.
- Written confirmation that no estate will be established, if there is no estate and no probated will
- Relationship documents, if there is no estate and no probated willThe relationship proof PNC lists for a spouse, domestic partner, child, parent, sibling or grandchild: a marriage certificate, declaration of domestic partnership, or birth certificates.
Claims Contact
Phone: 1-800-822-5626
Home equity: Monday-Friday 7:00 AM-10:00 PM ET; Saturday-Sunday 8:00 AM-5:00 PM ET
Fax: 1-833-299-6176
Hours: Monday-Thursday 8:00 AM-9:00 PM ET; Friday 8:00 AM-5:00 PM ET; Saturday 9:00 AM-2:00 PM ET
Mailing address: PNC Bank, P.O. Box 1820, Dayton, OH 45401-1820
What happens to each kind of account1
- Loan
Normal servicing of the loan continues while a successor request is reviewed, which may include collection and foreclosure proceedings and credit bureau reporting.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
FirstBank (Colorado)'s PNC Estate and Decedent Processing can be reached by phone at 1-888-762-2265 for questions throughout the claims process.
Sources
(4)·
Data sourced from FirstBank (Colorado) primary sources (11 pages reviewed). How we research.
FirstBank (Colorado) death claims support
PNC Estate and Decedent Processing
Phone
Toll-free
Mortgage successor in interest
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your FirstBank (Colorado) accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
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Petition for Probate and Letters
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Notice to Creditors
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Renunciation of Executor
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