What to do when a Mascoma Bank account holder dies
Contact Mascoma Bank's Wealth Management / Trust Services — 4-step process, 6 required documents, and pod beneficiaries and joint account holders can typically access funds upon providing death certificate and id. trust-owned accounts can be accessed once successor trustee provides required documentation. probate-dependent accounts depend on court timelines, which vary by county in nh and vt.
Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Lost/Stolen Debit Card (after hours)
Wealth Management / Trust Services
WebsiteLearn more→
Wealth Management / Trust Services
Phone1-603-676-8813
Toll-Free1-888-627-2662
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
WebsiteLearn more→
Death Claims / Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Verified May 2026
What happens to Mascoma Bank 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 Mascoma Bank's Wealth Management / Trust Services (1-603-448-3650) to claim the funds.
To start a claim, contact Mascoma Bank by phone at 1-603-448-3650 or email documentation to msbinfo@mascoma.bank. You will need the account holder's full name, account numbers, and a certified death certificate.
Death claim process
To file a claim after an account holder's death, here is what Mascoma Bank requires:
Filing a claim
1
Contact Mascoma Bank at 888-627-2662 or visit any branch (https://mascoma.bank/locations/) to report the death
2
Submit a certified death certificate
3
Claim process depends on account type:
- POD accounts: surviving beneficiaries provide government-issued ID and death certificate to claim funds
- Joint accounts with rights of survivorship: surviving owner(s) receive all account funds automatically
- Trust-owned accounts: successor trustee provides trust documents, death certificate, and government-issued ID
- Accounts without POD, joint, or trust ownership: estate representative must provide Letters Testamentary or Letters of Administration from probate court
- IRA accounts: beneficiaries must complete IRA distribution paperwork
- Wealth management accounts: contact Mascoma Wealth Management at 603-676-8813
4
Federal benefit payments (Social Security, VA) received after death are returned to the government
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if probate required)
- Small Estate Affidavit (if estate qualifies under NH or VT law)
- Trust documents (if trust-owned account, for successor trustee)
- IRA beneficiary claim form (for retirement accounts)
Contact Mascoma Bank at 888-627-2662 (Monday-Friday 8:00 AM - 6:00 PM, Saturday 8:00 AM - 12:00 PM ET) or visit any of the 26 branches in NH and VT to initiate the death claim process. For accounts managed through Mascoma Wealth Management or Trust Services, contact 603-676-8813.
How long the process takes at Mascoma Bank: POD beneficiaries and joint account holders can typically access funds upon providing death certificate and ID. Trust-owned accounts can be accessed once successor trustee provides required documentation. Probate-dependent accounts depend on court timelines, which vary by county in NH and VT. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Mascoma Bank includes Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if probate required), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Beneficiary changes for deposit accounts (checking, savings, money market, CDs) are made by visiting any Mascoma Bank branch with government-issued photo ID. Request a POD (Payable on Death) designation form. Provide the beneficiary's full legal name, date of birth, Social Security number, and relationship. For joint accounts, all owners must sign. For IRA beneficiary changes, a separate retirement account form is required. For wealth management accounts, contact your Mascoma Wealth Management advisor at 603-676-8813. Changes typically take 15-30 minutes in branch.
Mascoma Bank's Death Claims / Customer Service can be reached by phone at 1-888-627-2662 and email at msbinfo@mascoma.bank for questions throughout the claims process.
When the deceased had multiple Mascoma Bank accounts, some may need separate claims while others can be handled together. The Wealth Management / Trust Services can clarify what's needed for each account type.
Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Lost/Stolen Debit Card (after hours)
Wealth Management / Trust Services
WebsiteLearn more→
Wealth Management / Trust Services
Phone1-603-676-8813
Toll-Free1-888-627-2662
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
WebsiteLearn more→
Death Claims / Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Verified May 2026
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