What to do when a Huntington account holder dies
Contact Huntington's Personal Trust and Estate Services — 10-step process, 6 required documents, and varies by account type; pod and joint account claims typically processed within 1-2 weeks; probate-dependent claims may take longer
Phone1-800-480-2265
Mailing Address
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
WebsiteLearn more →
Personal Trust and Estate Services
Phone1-877-575-2265
Fax1-877-867-3094
Mailing Address
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
WebsiteLearn more →
Death Claims
Phone1-800-480-2265
Toll-Free1-800-480-2265
Mailing Address
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
Verified Feb 2026
When a Huntington 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 Huntington's Personal Trust and Estate Services (1-800-480-2265) 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 Huntington. 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 Huntington:
Filing a claim
1Notify Huntington Bank as soon as possible by visiting a local branch or calling 1-800-480-2265
2Provide the deceased account holder name and any known account information
3Submit a certified copy of the death certificate
4Bank will freeze individual accounts and stop automatic payments
5For POD accounts: named beneficiary presents valid government-issued ID, certified death certificate, and completes claim form provided by Huntington
6For joint accounts with right of survivorship: surviving owner retains access after providing death certificate
7For non-POD individual accounts: executor or administrator provides Letters Testamentary or Letters of Administration
8For trust accounts: successor trustee provides death certificate, trust documentation, and trustee ID
9Huntington reviews documentation and processes distribution
10Assets distributed per beneficiary designation, survivorship, trust terms, or estate instructions
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary, executor, or successor trustee
- Completed claim form (provided by Huntington)
- Letters Testamentary or Letters of Administration (if no POD, joint ownership, or trust)
- Trust documents and successor trustee certification (if trust is owner or beneficiary)
- Small Estate Affidavit (if eligible under state law)
If you do not have all account details, Huntington can help locate accounts using the deceased's Social Security number. Online banking access is suspended upon notification of the account holder's death.
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 Huntington Bank of the borrower's death by calling Mortgage Customer Service at 1-800-323-4695 or general customer service at 1-800-480-2265
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Submit a written request to be reviewed as a potential Successor in Interest to: The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234
5Include a statement that you are or may be a successor in interest, and identify the borrower and loan number
6Huntington will acknowledge receipt within 5 business days and provide a written description of required documents within 30 business days
7Complete and return all required Successor in Interest documentation with proof of your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
8Huntington will review your documentation and confirm your status as a Successor in Interest
9Once 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
10If experiencing payment hardship, contact Mortgage Payment Assistance at 1-800-323-9865
11Continue 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
- Written request identifying you as a potential Successor in Interest with borrower name and loan number
- 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), Huntington 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. Successor in Interest written requests: P.O. Box 340996, Columbus, OH 43234. Mortgage Customer Service: 1-800-323-4695. Mortgage Payment Assistance: 1-800-323-9865. Mortgage Online Support: 1-877-932-2265. Mortgage applications: 1-800-562-6871.
Processing timelines at Huntington: Varies by account type; POD and joint account claims typically processed within 1-2 weeks; probate-dependent claims may take longer. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Huntington requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for beneficiary, executor, or successor trustee, and Completed claim form (provided by Huntington), 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 Huntington Bank branch or call 1-800-480-2265 to request a Payable on Death (POD) designation form. All account owners must sign the form. You can name individuals, charities, or trusts as beneficiaries. POD beneficiary changes cannot be made online.
If your account has a POD designation, Huntington will pay the balance to your surviving named beneficiaries. If more than one beneficiary is living, funds are paid in equal shares unless otherwise specified. Joint accounts with right of survivorship pass to the surviving owner. Without POD beneficiaries or joint ownership, your accounts will go through probate and the executor must present Letters Testamentary or Letters of Administration.
Visit a local Huntington branch or call 1-800-480-2265 (daily 7:00am-8:00pm ET). Provide the deceased's name and any known account information. Huntington will freeze individual accounts and suspend online banking access. If you do not have account details, the bank can help locate accounts using the deceased's Social Security number.
Yes. Named beneficiaries on Huntington accounts (POD for deposit accounts, beneficiary designations for IRAs) take precedence over anything stated in your will. This is why it is important to keep beneficiary designations updated whenever your circumstances change, such as marriage, divorce, or the death of a beneficiary.
Huntington's Death Claims can be reached by phone at 1-800-480-2265 for questions throughout the claims process.
If the deceased held multiple Huntington accounts, each may require a separate claim or have different documentation requirements. The Personal Trust and Estate Services can confirm which accounts require individual attention and which can be processed together.
Phone1-800-480-2265
Mailing Address
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
WebsiteLearn more →
Personal Trust and Estate Services
Phone1-877-575-2265
Fax1-877-867-3094
Mailing Address
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
WebsiteLearn more →
Death Claims
Phone1-800-480-2265
Toll-Free1-800-480-2265
Mailing Address
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
Verified Feb 2026
Tools for settling a Huntington estate
Calculators and checklists to help navigate estate settlement after a Huntington account holder passes away.
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