What to do when a Northwest account holder dies
Contact Northwest's Northwest Bank Trust Department (Wealth Management) — 10-step process, 9 required documents, and a totten trust / p.o.d. or survivorship account is often settled in one visit to a financial center once the certified death certificate and id are in hand. a pennsylvania payment under 20 pa.c.s. 3101(b) and a new york payment under scpa 1310 need no court paper at all. indiana's affidavit cannot be used until 45 days after the death; new york's scpa 1310 payment to a non-spouse relative needs 30 days. a probate account waits on letters from the county court.
Northwest Direct / Customer Contact Center
Phone1-814-728-7818
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
Bankline / Telephone Banking (24/7)
Online Banking Customer Service
Customer Contact Center
Trust Department / Trust Support
Mortgage Helpline
Loss Mitigation
Northwest Investment Services (LPL Financial)
International Calls
Debit/ATM Card Lost or Stolen (after hours)
Credit Card Lost or Stolen
Credit Card (International)
Fraud Detection (SMS)
Fraud Detection (Call Center)
Shareholder Relations
WebsiteLearn more→
Northwest Bank Trust Department (Wealth Management)
Phone1-814-452-1000
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
WebsiteLearn more→
Northwest Direct / Customer Contact Center (Northwest publishes no dedicated death-claim department or form; estate claims are handled at a financial center or through Northwest Direct, with the Trust Department available for full estate settlement)
Phone1-814-452-1000
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
Trust Department (estate settlement, trust administration)
Mortgage Helpline (deceased borrower)
Loss Mitigation
WebsiteNotify online→
Verified Jul 2026
What happens to Northwest 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 Northwest's Northwest Bank Trust Department (Wealth Management) (1-814-452-1000) to claim the funds.
Northwest provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what Northwest requires:
Filing a claim
1
Notify Northwest IN WRITING. The Deposit Account Agreement's Notices section requires any account owner or authorized signer to notify the bank in writing when another owner or signer dies or is declared incompetent, and states flatly that "all account activity will continue until Northwest is notified of the death of an account owner." Start by calling Northwest Direct at 1-877-672-5678 (Monday-Friday 8:00 a.m.-8:00 p.m., Saturday 9:00 a.m.-1:00 p.m.) or visiting a financial center, then get the notice on paper.
2
Bring or send:
- A certified copy of the death certificate
- Your government-issued photo ID
- The decedent's account numbers, where known
3
Northwest then settles each account by how it was titled:
- Totten trust ("in trust for") or P.O.D. account: the account is owned by the named beneficiary or beneficiaries in equal shares when the owner dies. The beneficiary claims it with the death certificate and ID. It is not part of the probate estate -- but the agreement itself warns it is still subject to inheritance tax liability.
- Joint tenants with right of survivorship: the surviving joint owner owns the account immediately. Present the death certificate to have the decedent removed.
- Joint with NO right of survivorship / tenants in common: the decedent's interest passes to their designated beneficiaries or their estate -- the survivor does NOT take it all.
- Formal trust account: the successor trustee presents the trust agreement plus the grantor's death certificate.
- No beneficiary, no survivorship: the personal representative presents Letters Testamentary or Letters of Administration from the probate court.
- New York Convenience Account: the convenience signer has no survivorship right. On the owner's death Northwest may pay the executor, administrator, or voluntary administrator under Article 13 of the N.Y. Surrogate's Court Procedure Act, or a person designated in SCPA 1310.
4
Pennsylvania shortcut -- get the funeral bill first. Under 20 Pa.C.S. 3101(b), a Pennsylvania bank SHALL pay the deposit balance, when the total standing to the decedent's credit at that institution does not exceed $20,000, to the surviving spouse, a child, a parent, or a sibling (in that order of preference) on presentation of a receipted funeral bill or an affidavit from a licensed funeral director confirming arrangements for payment. No letters, no affidavit of small estate, no court. Bring the receipted funeral bill to the financial center with the death certificate.
5
New York shortcut. Under SCPA 1310, a bank may pay a surviving spouse up to $30,000 immediately without any court appointment, and, at least 30 days after the death, up to $15,000 in the aggregate to a spouse, adult child, parent, sibling, niece or nephew (in that order of preference), a creditor, or a person who paid the funeral expenses. Above those limits, a New York estate under $50,000 of personal property qualifies as a small estate under SCPA 1301 and can be settled by voluntary administration in Surrogate's Court.
6
Ohio and Indiana. In Ohio, an estate of $35,000 or less -- or $100,000 or less when the surviving spouse takes all the assets by will or by intestacy -- may be released from administration under Ohio Rev. Code 2113.03. In Indiana, 45 days after the death, a successor may collect a decedent's personal property by affidavit when the gross probate estate (less liens and encumbrances) does not exceed $100,000 and no personal representative has been appointed (Ind. Code 29-1-8-1).
7
Watch the bank's own claims on the money. Northwest's Right of Setoff clause lets it charge or set off funds in the account for "any direct, indirect and/or acquired obligations that any account holder owes" it -- and the Penns Woods merger means Northwest may now be holding an ACQUIRED debt originally owed to Luzerne Bank or Jersey Shore State Bank against a deposit that was also originally theirs.
8
If probate is open, ask the financial center about an estate account to receive the funds and pay estate obligations. For a complicated estate, Northwest's own Trust Department (1-814-452-1000) will settle the estate for a fee, and will serve as executor or agent.
9
Do not let an inherited account go quiet. Under the Dormant Accounts clause an account with no deposit or withdrawal for typically two years is classified dormant, may be charged a dormant fee, and once presumed abandoned is remitted to the state -- after which the claim must be made to the state, not to Northwest.
10
Note what happens to benefit payments. Once an account is closed, the agreement says additional deposits or electronic credits -- including Social Security, pension payments, and automatic payroll deposits -- are returned to the originator. Stop the decedent's direct deposits at the source rather than assuming a closed account absorbs them.
Required Documents
- Written notice of the account owner's death (required by the Notices section of the Deposit Account Agreement)
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration, where probate is required
- The trust agreement, where the account is a Formal Trust Account (Section 24 requires the trustee to supply it on request)
- Pennsylvania: a receipted funeral bill or a licensed funeral director's affidavit, to release a balance of $20,000 or less under 20 Pa.C.S. 3101(b)
- New York: the SCPA 1310 payment (no court paper needed within the statutory limits) or, above them, a voluntary administration certificate under SCPA 1301
- Ohio: the entry releasing the estate from administration under Ohio Rev. Code 2113.03
- Indiana: the small estate affidavit under Ind. Code 29-1-8-1, presented at least 45 days after the death
What to know at this institution
Northwest publishes no death-claim form and no claims portal; the channels are a financial center and Northwest Direct (1-877-672-5678). Written notice of an owner's death is a contractual requirement, not a courtesy: the Deposit Account Agreement (revised 08/12/2024) states that "all account activity will continue until Northwest is notified of the death of an account owner." Consumer beneficiary designations are Totten trust / in-trust-for or payable-on-death accounts, and the agreement itself flags that a P.O.D. account remains subject to inheritance tax liability -- which matters in Pennsylvania, where a POD account passing to a child is taxed even though it skips probate. New York depositors should check for a Convenience Account: the convenience signer has NO survivorship right, and at death Northwest may pay the executor, administrator, or voluntary administrator under SCPA Article 13 / SCPA 1310. The Right of Setoff clause reaches "direct, indirect and/or acquired" obligations -- after the July 25, 2025 Penns Woods merger, that includes debts Northwest acquired from Luzerne Bank and Jersey Shore State Bank. The Dormant Accounts clause classifies an account with no activity for typically two years as dormant, and abandoned funds are remitted to the state. Northwest Bank's own Trust Department (1-814-452-1000) will administer trusts, settle estates, and serve as executor or agent of an estate -- unusual for a bank this size and the right call for a complex estate that has no willing family executor.
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
Call the Mortgage Helpline at 1-888-884-4626 and report the borrower's death. Give the loan number and the decedent's full legal name.
2
Send a certified copy of the death certificate along with proof of your interest in the property -- the recorded deed, the will admitted to probate, Letters Testamentary or Letters of Administration, or the trust instrument naming you successor trustee.
3
Ask to be confirmed as a successor in interest. Northwest will not discuss the loan with you until it has documentation of your authority.
4
Keep the payment current while the file is reviewed. Death does not pause the loan.
5
If the estate cannot make the payments, call Loss Mitigation at 1-800-789-8075 or email loss.mitigation@northwest.com about repayment, modification, or forbearance options. For a Freddie Mac or Fannie Mae loan Northwest points borrowers to the agency application.
6
Written error notices and requests for information about a loan account go to Northwest Bank, Attention: Retail Loan Servicing, P.O. Box 1793, Warren, PA 16365. Northwest acknowledges a written request within five days. Do not send loan correspondence to the general P.O. Box 128 deposit address.
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Proof of ownership interest: recorded deed, probated will, court order, or trust instrument
- Letters Testamentary or Letters of Administration, if the estate is probated
Claims Contact
Phone: 1-888-884-4626
Email: loss.mitigation@northwest.com
Northwest Bank, Attention: Retail Loan Servicing, P.O. Box 1793, Warren, PA 16365
What to know at this institution
Garn-St. Germain (12 U.S.C. 1701j-3(d)) bars a due-on-sale acceleration when the property transfers at death to a surviving spouse, a joint tenant, a relative who inherits and occupies the home, or the borrower's revocable trust. Mortgage Helpline: 1-888-884-4626. Loss Mitigation: 1-800-789-8075, loss.mitigation@northwest.com.
Prepare your letter of instruction to Northwest
Northwest accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Northwest's verified claims department, with the documents it requires enclosed.
Build your letter of instructionHow long the process takes at Northwest: A Totten trust / P.O.D. or survivorship account is often settled in one visit to a financial center once the certified death certificate and ID are in hand. A Pennsylvania payment under 20 Pa.C.S. 3101(b) and a New York payment under SCPA 1310 need no court paper at all. Indiana's affidavit cannot be used until 45 days after the death; New York's SCPA 1310 payment to a non-spouse relative needs 30 days. A probate account waits on Letters from the county court. 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 Northwest includes Written notice of the account owner's death (required by the Notices section of the Deposit Account Agreement), Certified copy of the death certificate, and Government-issued photo ID for the claimant, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Northwest's Deposit Account Agreement defines both, and they behave almost identically. A Totten trust account (also called an "in trust for" or ITF account) is an informal trust reflected on the bank's records with no written trust agreement: you are the depositor/trustee, the beneficiaries have no right to the money during your lifetime, you can withdraw freely, and when you die the account is owned by the named beneficiary or beneficiaries in equal shares. A payable-on-death (P.O.D.) account works the same way -- payable to you while you live, then to the P.O.D. payees, in equal shares if there is more than one. Either designation is changed only by written direction to the bank. Neither is a funded living trust: that is a Formal Trust Account under Section 24, which requires an actual written trust agreement. And Northwest's agreement adds a warning most banks leave out -- a P.O.D. account is still "subject to inheritance tax liability."
Often yes, and the fastest route runs through the funeral bill. Under 20 Pa.C.S. 3101(b), a Pennsylvania bank SHALL pay the balance on deposit -- when the total standing to the decedent's credit at that institution does not exceed $20,000 -- to the surviving spouse, a child, a parent, or a sibling, in that order of preference, on presentation of a receipted funeral bill or an affidavit from a licensed funeral director confirming arrangements for payment. No letters, no court, no small-estate affidavit. Northwest is a Pennsylvania-chartered savings bank, so this is squarely its statute. Above $20,000, a Pennsylvania estate whose gross value (excluding real estate and anything paid under 3101) does not exceed $50,000 can be settled on petition to the orphans' court under 20 Pa.C.S. 3102. Bring the receipted funeral bill and a certified death certificate to a financial center, and ask the banker first whether the accounts carried Totten trust or P.O.D. designations -- that money is outside the estate entirely.
Not necessarily -- check whether it is a Convenience Account. Northwest's Deposit Account Agreement has a New York-only clause: a Convenience Account is in the name of the account holder and a convenience signer, all funds belong to the account holder alone, and the convenience signer has NO right of survivorship. If your relative added you so you could pay their bills, you do not inherit the balance at death; Northwest may instead pay the executor, administrator, or voluntary administrator under Article 13 of the New York Surrogate's Court Procedure Act, or a person designated in SCPA 1310. Under SCPA 1310, Northwest may pay a surviving spouse up to $30,000 without any court appointment, and at least 30 days after the death may pay up to $15,000 in the aggregate to a spouse, adult child, parent, sibling, niece, or nephew, in that order of preference. Above those limits, a New York estate of $50,000 or less in personal property is a small estate under SCPA 1301 and can be handled by voluntary administration.
Yes. Northwest Bancshares completed its acquisition of Penns Woods Bancorp on July 25, 2025, and immediately afterward Luzerne Bank and Jersey Shore State Bank -- both Pennsylvania-chartered -- merged into Northwest Bank, with Northwest the surviving bank. A deposit account opened at either legacy bank is now a Northwest Bank account, and an estate claim on it goes to a Northwest financial center or Northwest Direct at 1-877-672-5678, on Northwest's deposit terms. Two practical consequences: the Deposit Account Agreement's Totten trust and P.O.D. rules now govern beneficiary designations that were originally made at the legacy bank, and Northwest's Right of Setoff clause reaches "direct, indirect and/or acquired" obligations -- meaning a loan the decedent originally took out at Luzerne Bank or Jersey Shore State Bank is now a debt owed to Northwest that can be set off against a deposit balance.
Northwest's Northwest Direct / Customer Contact Center (Northwest publishes no dedicated death-claim department or form; estate claims are handled at a financial center or through Northwest Direct, with the Trust Department available for full estate settlement) can be reached by phone at 1-877-672-5678 and email at info@northwest.com for questions throughout the claims process.
When the deceased had multiple Northwest accounts, some may need separate claims while others can be handled together. The Northwest Bank Trust Department (Wealth Management) can clarify what's needed for each account type.
Sources
Data sourced from Northwest primary sources (20 pages reviewed). How we research.
Northwest Direct / Customer Contact Center
Phone1-814-728-7818
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
Bankline / Telephone Banking (24/7)
Online Banking Customer Service
Customer Contact Center
Trust Department / Trust Support
Mortgage Helpline
Loss Mitigation
Northwest Investment Services (LPL Financial)
International Calls
Debit/ATM Card Lost or Stolen (after hours)
Credit Card Lost or Stolen
Credit Card (International)
Fraud Detection (SMS)
Fraud Detection (Call Center)
Shareholder Relations
WebsiteLearn more→
Northwest Bank Trust Department (Wealth Management)
Phone1-814-452-1000
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
WebsiteLearn more→
Northwest Direct / Customer Contact Center (Northwest publishes no dedicated death-claim department or form; estate claims are handled at a financial center or through Northwest Direct, with the Trust Department available for full estate settlement)
Phone1-814-452-1000
Toll-Free1-877-672-5678
Emailinfo@northwest.com
Mailing Address
Northwest Bank, P.O. Box 128, Warren, PA 16365
Trust Department (estate settlement, trust administration)
Mortgage Helpline (deceased borrower)
Loss Mitigation
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Northwest accounts and other assets with trusts, beneficiary designations, and estate planning documents.
