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Home→Financial Institutions→Hancock Whitney→When someone dies

What to do when a Hancock Whitney account holder dies

Contact Hancock Whitney's Trust & Asset Management — 9-step process, 5 required documents, and varies based on account type, documentation completeness, and whether probate is required

Hancock Whitney

Subsidiary of Hancock Whitney Corporation

hancockwhitney.com →
Hancock Whitney logo
Phone1-800-448-8812
Mailing Address

P.O. Box 4019, Gulfport, MS 39502

Spanish Language Support
1-866-366-0001
Financial Consultants
1-800-385-4188
Mortgage Support
1-866-695-6751
Mortgage Loan Application
1-800-506-4441
HELOC Support
1-877-844-4948
WebsiteLearn more →

Trust & Asset Management

Phone1-800-651-9227

Death Claims

Phone1-800-448-8812
Toll-Free1-800-448-8812
Mailing Address

Hancock Whitney Bank, P.O. Box 4019, Gulfport, MS 39502

Verified Mar 2026

When a Hancock Whitney 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 Hancock Whitney's Trust & Asset Management (1-800-448-8812) 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 Hancock Whitney. 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 Hancock Whitney:

Filing a claim

1Notify Hancock Whitney by calling customer service at 1-800-448-8812, Trust & Asset Management at 1-800-651-9227, or by visiting a local financial center
2Provide the deceased account holder's name, account number (if known), and date of death
3Submit a certified copy of the death certificate
4For POD accounts: the named beneficiary provides a certified death certificate and valid government-issued photo ID to receive funds
5For joint accounts with right of survivorship: the surviving account holder provides a certified death certificate to remove the deceased from the account
6For accounts without POD or survivorship: the estate representative provides Letters Testamentary or Letters of Administration from the probate court
7For trust-owned accounts: the successor trustee provides the trust document and death certificate
8Hancock Whitney reviews all submitted documentation
9Assets are distributed according to the beneficiary designation, trust terms, or estate instructions

Required Documents

  • Certified death certificate (at least one original)
  • Government-issued photo ID for the beneficiary, surviving joint owner, or estate representative
  • Letters Testamentary or Letters of Administration (if no POD or survivorship designation)
  • Trust documents and successor trustee identification (if trust is the account owner or beneficiary)
  • Account numbers for the deceased's accounts (if available)

For accounts managed by Trust & Asset Management, contact 1-800-651-9227 directly. Spanish-language support available at 1-866-366-0001.

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 Hancock Whitney of the borrower's death by calling Mortgage Client Support at 1-866-695-6751 or general customer service at 1-800-448-8812
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 documentation packet from the mortgage servicing department
5Complete and return the Successor in Interest documentation with proof of your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
6Hancock Whitney will review your documentation and confirm your status as a Successor in Interest
7Once 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
8Continue 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
  • Completed Successor in Interest documentation (obtained from Mortgage Client Support)
  • Documentation proving ownership interest in the property (one or more of the following): probated will naming you as heir, court order of succession, recorded deed transferring ownership, trust document showing you as successor trustee or beneficiary
  • Letters Testamentary or Letters of Administration (if going through probate)
  • Marriage certificate (if surviving spouse)

Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Hancock Whitney 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. Mortgage Client Support: 1-866-695-6751. General customer service: 1-800-448-8812. Mortgage loan application: 1-800-506-4441. Spanish-language support: 1-866-366-0001.

Processing timelines at Hancock Whitney: Varies based on account type, documentation completeness, and whether probate is required. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

Hancock Whitney requires several documents to process a claim, including Certified death certificate (at least one original), Government-issued photo ID for the beneficiary, surviving joint owner, or estate representative, and Letters Testamentary or Letters of Administration (if no POD or survivorship designation), 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 a Hancock Whitney financial center and speak with an account representative to complete a POD (Payable on Death) beneficiary designation form. Name both primary and contingent beneficiaries, and coordinate designations with your overall estate plan. Review and update designations after major life changes.

Call customer service at 1-800-448-8812 (Mon-Fri 7:00 AM - 7:00 PM CT, Sat 8:00 AM - 2:00 PM CT) or Trust & Asset Management at 1-800-651-9227, or visit a local financial center. You will need the deceased's account information and a certified death certificate. For POD accounts, the named beneficiary brings a death certificate and photo ID. For accounts without POD, the estate representative provides Letters Testamentary or Letters of Administration.

Yes. POD beneficiary designations on bank accounts take precedence over anything stated in your will. This is why it is important to keep beneficiary designations updated and coordinated with your overall estate plan whenever your circumstances change, such as after marriage, divorce, birth, or death of a family member.

Hancock Whitney's Death Claims can be reached by phone at 1-800-448-8812 for questions throughout the claims process.

If the deceased held multiple Hancock Whitney accounts, each may require a separate claim or have different documentation requirements. The Trust & Asset Management can confirm which accounts require individual attention and which can be processed together.

Hancock Whitney

Subsidiary of Hancock Whitney Corporation

hancockwhitney.com →
Hancock Whitney logo
Phone1-800-448-8812
Mailing Address

P.O. Box 4019, Gulfport, MS 39502

Spanish Language Support
1-866-366-0001
Financial Consultants
1-800-385-4188
Mortgage Support
1-866-695-6751
Mortgage Loan Application
1-800-506-4441
HELOC Support
1-877-844-4948
WebsiteLearn more →

Trust & Asset Management

Phone1-800-651-9227

Death Claims

Phone1-800-448-8812
Toll-Free1-800-448-8812
Mailing Address

Hancock Whitney Bank, P.O. Box 4019, Gulfport, MS 39502

Verified Mar 2026

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SimplyTrust is not a law firm and does not provide legal advice, legal counsel, or attorney review. Information on this platform is for general informational purposes only. Use of SimplyTrust does not create an attorney-client relationship. You are solely responsible for all documents you create. For advice tailored to your circumstances, consult a licensed attorney in your state.

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