What to do when a Nicolet National Bank account holder dies
Report the death to Nicolet National Bank's Customer Service at 1-800-369-0226
After an account holder at Nicolet National Bank dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Nicolet National Bank's Customer Service at 1-800-369-0226 with the proper legal authority documents.
The first step is contacting Nicolet National Bank at 1-800-369-0226 with the account holder's full name, account numbers, and the death certificate in hand.
Death claim process
To file a claim after an account holder's death, here is what Nicolet National Bank requires:
Filing a claim
What happens to each kind of account4
- Account in one name
An account in one person's name goes to that person's estate at death.1
- Payable-on-death account
Surviving P.O.D. beneficiaries take the account in equal shares unless the designation says otherwise. On an account with several owners they take only after the last owner dies; if none survives, the account is handled as the owner's own.1
- Joint account with survivorship
When one owner of a joint account with survivorship dies, the others keep it together, and once one owner is left it is handled as that owner's own account.1
A spouses' joint account funded with marital property and titled with survivorship belongs to the surviving spouse at the other's death.1
- Joint account without survivorship
A spouses' joint account not titled with survivorship is held as marital property. At one spouse's death half goes to that spouse's P.O.D. beneficiaries, or to the estate if none were named.1
State law on paying a balance without lettersFlorida
- Florida
Fla. Stat. § 735.303
Florida law permits a bank to pay from a deceased depositor's balance on an affidavit made under oath, without letters testamentary or letters of administration.Fla. Stat. § 735.303Verified Oct 3, 2026View source
Paid to: family member (surviving spouse; else adult child; else adult descendant; else parent)
Limit: $2,000 held at the institution and $2,000 in total from every holder
When: not earlier than 6 months after the date of the decedent’s death
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
Accounts handled elsewhere2
- Trust & Fiduciary Services
Estate settlement, trust administration and guardianships, with Nicolet as trustee or personal representative2
- Credit Card Customer Service
Nicolet credit card accounts3
Phone: 1-877-864-6525
What Nicolet National Bank's agreement and guidance say9
- What it does when notified
Once told of an owner's death or incapacity, the bank may freeze the account until it has the documents that settle who is to be paid.1
- Payments after the death
The bank may keep paying checks the owner wrote on or before the date of death for 10 days after it, even once it knows of the death, unless someone with a claim to the account orders a stop payment.1
- Debts owed to the institution
If an owner owes the bank a debt that has come due, the bank may take it from the account, and on a joint account it may do so for the debt of any one owner.1
- Indemnity a claimant may have to give
A surviving owner or beneficiary agrees to hold the bank harmless for paying out the account under its terms and the owner's designations.1
- Powers of attorney
An agent named on the account loses authority when the sole or last owner dies, but the bank may keep relying on the agent until it learns of the death and has had a reasonable chance to act.1
- Which state governs the account
The deposit terms say Wisconsin law governs them, except where federal law controls.1
- Dormant and unclaimed accounts
With no deposit, withdrawal or contact for 6 months on checking, 1 year on a health savings account or 36 months on savings, an account turns inactive, and a long-inactive balance can be paid over to the state.1
- Fees
An inactive account with $500 or less in it is charged $5.00 a month.4
- Accounts from a merged institution
MidWestOne Bank accounts became Nicolet National Bank accounts on August 10, 2026, keeping their account numbers unless the owner was told of a duplicate. The MidWestOne routing number is to be retired in spring 2027.5
Each former MidWestOne checking and savings account got a final MidWestOne statement as of August 7, 2026. Older statements and check images were not yet online at conversion; a local banker or the Nicolet Information Center can supply them.5
Not in Nicolet National Bank's published guidance9
- A department for deceased-customer accounts
- A claim form
- A list of required documents
- Whether the death certificate must be certified
- Which court appointment document it accepts
- A mailing address for claim documents
- An online way to report a death
- How long a claim takes
- A small-estate procedure
Sources5
Nicolet National Bank's Customer Service can be reached by phone at 1-800-369-0226 for questions throughout the claims process.
Sources
(3)·
Data sourced from Nicolet National Bank primary sources (35 pages reviewed). How we research.
Nicolet National Bank death claims support
Customer Service
Estate planning articles
Learn how to protect your Nicolet National Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
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What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
