What to do when a Fulton Bank account holder dies
Contact Fulton Bank's Fulton Private Bank Trust and Estate Services — 8-step process, 9 required documents, and 7-14 business days after all documents are received
Phone1-800-385-8664
Mailing Address
Fulton Bank, N.A., P.O. Box 94, East Petersburg, PA 17520
WebsiteLearn more →
Death Claims
Phone1-800-385-8664
Toll-Free1-800-385-8664
Mailing Address
Fulton Bank, N.A., P.O. Box 94, East Petersburg, PA 17520
Verified Feb 2026
When a Fulton Bank 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 Fulton Bank's Fulton Private Bank Trust and Estate Services (1-800-385-8664) 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 Fulton Bank. 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 Fulton Bank:
Filing a claim
1Contact Fulton Bank at 1-800-385-8664 or visit a financial center to notify them of the account holder's death
2For accounts with POD beneficiary: provide certified death certificate and beneficiary government-issued ID
3For joint accounts with right of survivorship: provide certified death certificate to remove deceased from account
4For accounts without beneficiary: provide Letters Testamentary or Letters of Administration from probate court
5For trust accounts: provide certified death certificate, trust documentation, and successor trustee identification
6For IRA accounts: provide certified death certificate, beneficiary ID, and complete IRA distribution or transfer forms
7Submit all required documents at a financial center or by mail as directed
8Fulton Bank will review documentation and process the claim
Required Documents
- Certified death certificate
- Valid government-issued photo ID for the claimant (beneficiary, executor, or successor trustee)
- Account information for the deceased
- For accounts without beneficiary: Letters Testamentary or Letters of Administration
- For small estates: small estate affidavit (state-specific requirements apply)
- For trust accounts: trust documentation including successor trustee provisions
- For trust accounts: government-issued ID for the successor trustee
- For IRA accounts: IRA distribution or transfer forms
- Written instructions regarding distribution preference
Visiting a Fulton Bank financial center in person is recommended for the most efficient estate settlement process. For complex estates or trust accounts, contact Fulton Private Bank Trust and Estate Services for specialized assistance. Estate Settlement Officers at Fulton Private Bank can guide families through the full settlement process. Distribution options include transfer to an existing or new Fulton Bank account or a cashier's check.
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 Fulton Bank of the borrower's death by calling Fulton Mortgage at 1-800-220-9034 or general customer service at 1-800-385-8664
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)
5Fulton 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), Fulton Bank 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. General customer service: 1-800-385-8664.
Processing timelines at Fulton Bank: 7-14 business days after all documents are received. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Fulton Bank requires several documents to process a claim, including Certified death certificate, Valid government-issued photo ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased, 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
You can add a Payable on Death (POD) beneficiary to your Fulton Bank deposit accounts by logging into Online Banking, calling 1-800-385-8664, or visiting any Fulton Bank financial center. You will need to provide the beneficiary's full legal name, date of birth, Social Security number, and relationship to you.
Contact Fulton Bank at 1-800-385-8664 or visit a financial center as soon as possible. You will need a certified death certificate and valid government-issued ID. For accounts with a POD beneficiary, the funds can be claimed directly. For accounts without a beneficiary, probate documents such as Letters Testamentary or Letters of Administration are required.
A POD (Payable on Death) designation names a beneficiary who receives account funds upon your death while you retain full ownership during your lifetime. Trust ownership retitles the account to your trust, making the trust the legal owner. Trust ownership provides more control over distribution terms and avoids potential conflicts between POD designations and trust instructions.
Fulton Bank's Death Claims can be reached by phone at 1-800-385-8664 for questions throughout the claims process.
If the deceased held multiple Fulton Bank accounts, each may require a separate claim or have different documentation requirements. The Fulton Private Bank Trust and Estate Services can confirm which accounts require individual attention and which can be processed together.
Phone1-800-385-8664
Mailing Address
Fulton Bank, N.A., P.O. Box 94, East Petersburg, PA 17520
WebsiteLearn more →
Death Claims
Phone1-800-385-8664
Toll-Free1-800-385-8664
Mailing Address
Fulton Bank, N.A., P.O. Box 94, East Petersburg, PA 17520
Verified Feb 2026
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