What to do when a Huntington account holder dies
Contact Huntington's Personal Trust and Estate Services — 7-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 Apr 2026
What happens to Huntington accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with Huntington's Personal Trust and Estate Services (1-800-480-2265) to claim the funds.
Before contacting Huntington, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Huntington:
Filing a claim
1
Notify Huntington Bank as soon as possible by visiting a local branch or calling 1-800-480-2265
2
Provide the deceased account holder name and any known account information
3
Submit a certified copy of the death certificate
4
Bank will freeze individual accounts and stop automatic payments
5
Provide documentation based on account ownership type:
- POD accounts: named beneficiary presents valid government-issued ID, certified death certificate, and completes claim form provided by Huntington
- Joint accounts with right of survivorship: surviving owner retains access after providing death certificate
- Non-POD individual accounts: executor or administrator provides Letters Testamentary or Letters of Administration
- Trust accounts: successor trustee provides death certificate, trust documentation, and trustee ID
6
Huntington reviews documentation and processes distribution
7
Assets 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.
1
Notify 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
2
Provide the deceased borrower's full legal name, Social Security number, and loan number
3
Submit a certified copy of the death certificate
4
Submit a written Successor in Interest request to: The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234:
- Include a statement that you are or may be a successor in interest
- Identify the borrower and loan number
5
Huntington will acknowledge receipt within 5 business days and provide a written description of required documents within 30 business days
6
Complete and return all required Successor in Interest documentation:
- Proof of your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
- Huntington will review your documentation and confirm your status as a Successor in Interest
7
Once confirmed, discuss options with Huntington:
- Continue making payments on the existing loan
- Apply for loss mitigation
- Assume the loan or refinance
- Pay off the balance
- If experiencing payment hardship, contact Mortgage Payment Assistance at 1-800-323-9865
8
Continue 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 (M-F 8am-8pm ET, Sat 8am-2pm ET). Mortgage Payment Assistance: 1-800-323-9865 (M-F 8am-9pm ET, Sat 8am-1pm ET). Mortgage Online Support: 1-877-932-2265 (Daily 7am-7pm ET). Mortgage applications: 1-800-562-6871 (M-F 8am-7pm ET, Sat 8am-2pm ET).
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
Notify Huntington Bank by visiting a branch or calling 1-800-480-2265 (daily 7am-8pm ET). Individual accounts are frozen and automatic payments stopped. The process depends on account type: POD accounts pay directly to the named beneficiary upon presentation of a death certificate and ID. Joint accounts with right of survivorship pass to the surviving owner. Individual accounts without POD or joint ownership require Letters Testamentary or Letters of Administration through probate. Trust accounts are handled by the successor trustee with trust documentation.
Huntington's Death Claims can be reached by phone at 1-800-480-2265 for questions throughout the claims process.
When the deceased had multiple Huntington accounts, some may need separate claims while others can be handled together. The Personal Trust and Estate Services can clarify what's needed for each account type.
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 Apr 2026
Estate planning articles
Learn how to protect your Huntington accounts and other assets with trusts, beneficiary designations, and estate planning documents.
