What to do when a FNBO account holder dies
Contact FNBO's FNBO Wealth - Trust & Estate Services — 9-step process, 6 required documents, and pod accounts: typically within days once documentation is verified. estate accounts: varies based on probate process and documentation.
Personal Banking & Lending
Phone1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Credit Card Service
Mortgage Service
Wealth Service
International Calls (Collect)
WebsiteLearn more →
FNBO Wealth - Trust & Estate Services
Phone1-800-538-7298
Wealth Services
FNN Trust Company
Private Banking
WebsiteLearn more →
Death Claims
Phone1-800-642-0014
Toll-Free1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Trust & Estate Services
Mortgage Servicing
Verified Mar 2026
When a FNBO account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with FNBO's FNBO Wealth - Trust & Estate Services (1-800-642-0014) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting FNBO. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at FNBO:
Filing a claim
1Call FNBO customer service at 1-800-642-0014 to report the death
2For trust or estate accounts, contact Wealth Services at 1-888-916-8378 or Trust & Estate at 1-800-538-7298
3Provide the deceased account holder's name and account information
4Submit a certified death certificate (multiple copies recommended)
5For POD accounts: named beneficiary provides certified death certificate and valid government-issued ID to claim funds
6For non-POD accounts: executor or administrator provides Letters Testamentary or Letters of Administration from probate court
7For trust accounts: successor trustee provides death certificate, trust document, and trustee identification
8For small estates: a small estate affidavit may be accepted in lieu of full probate documents
9Bank will restrict account access and guide the representative through remaining steps
Required Documents
- Certified death certificate (multiple copies recommended)
- Government-issued photo ID for beneficiary, executor, or trustee
- Letters Testamentary or Letters of Administration (for non-POD, non-trust accounts)
- Trust agreement and successor trustee documentation (for trust accounts)
- Small estate affidavit (if applicable under state law)
- Court order (if required)
Wealth Services: 1-888-916-8378 (Monday-Friday, business hours). Trust & Estate direct line: 1-800-538-7298. FNN Trust Company: 1-800-994-2445. Private Banking: 402-602-1750 (Monday-Friday, 8:00 AM to 5:00 PM CST). For mortgage-related death claims, contact mortgage servicing at 1-877-217-9714.
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.
1Notify FNBO of the borrower's death by calling mortgage servicing at 1-877-217-9714 or general customer service at 1-800-642-0014
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request the Successor in Interest application and provide documentation proving your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
5FNBO will review your documentation and confirm your status as a Successor in Interest
6Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
7Continue 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
- Documentation proving ownership interest in the property (probated will, court order, recorded deed, or trust document)
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
- Trust document showing successor trustee or beneficiary (if applicable)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), FNBO 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 and are entitled to account information and loss mitigation options.
Processing timelines at FNBO: POD accounts: typically within days once documentation is verified. Estate accounts: varies based on probate process and documentation.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
FNBO requires several documents to process a claim, including Certified death certificate (multiple copies recommended), Government-issued photo ID for beneficiary, executor, or trustee, and Letters Testamentary or Letters of Administration (for non-POD, non-trust accounts), 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
Visit an FNBO branch with photo ID or call 1-800-642-0014 to request a Payable on Death (POD) beneficiary designation form. You will need each beneficiary's full legal name, Social Security number, date of birth, and address. POD designations are available for checking, savings, CDs, and money market accounts. You can also request forms by mail from FNBO Customer Care Center, 1620 Dodge Street, Stop 8160, Omaha, NE 68197-8160. POD beneficiary designations are not currently available through FNBO online banking.
Call FNBO customer service at 1-800-642-0014. For trust or estate accounts, contact Wealth Services at 1-888-916-8378 or the Trust & Estate team at 1-800-538-7298. For mortgage-related matters, contact mortgage servicing at 1-877-217-9714. For POD accounts, the named beneficiary provides a certified death certificate and valid government-issued ID to claim funds. For non-POD accounts, the executor provides Letters Testamentary or Letters of Administration from the probate court.
Yes. The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. By adding Payable on Death beneficiaries to your accounts, you can increase your insured coverage beyond the standard limit. FNBO also offers Insured Cash Sweeps (ICS) through the IntraFi network to automatically distribute excess deposits across multiple FDIC-insured banks for additional coverage.
Yes. Payable on Death (POD) beneficiary designations on FNBO deposit accounts and beneficiary designations on IRA accounts take precedence over any instructions in your will or trust. POD funds bypass probate entirely and transfer directly to the named beneficiary upon presentation of a death certificate and valid ID. Keep your beneficiary designations updated whenever your circumstances change, including after marriage, divorce, births, or deaths.
FNBO's Death Claims can be reached by phone at 1-800-642-0014 for questions throughout the claims process.
If the deceased held multiple FNBO accounts, each may require a separate claim or have different documentation requirements. The FNBO Wealth - Trust & Estate Services can confirm which accounts require individual attention and which can be processed together.
Personal Banking & Lending
Phone1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Credit Card Service
Mortgage Service
Wealth Service
International Calls (Collect)
WebsiteLearn more →
FNBO Wealth - Trust & Estate Services
Phone1-800-538-7298
Wealth Services
FNN Trust Company
Private Banking
WebsiteLearn more →
Death Claims
Phone1-800-642-0014
Toll-Free1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Trust & Estate Services
Mortgage Servicing
Verified Mar 2026
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