What to do when a Old National account holder dies
Contact Old National — 4-step process, 6 required documents, and pod accounts: beneficiary can claim funds without probate once documentation is verified. joint accounts: surviving owner retains access. probate estates: timeline varies based on court proceedings and state requirements.
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 143, Evansville, IN 47701
International
Mortgage Servicing
Wealth Management
Old National Wealth Advisors
Treasury Management
WebsiteLearn more→
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 143, Evansville, IN 47701
International
Mortgage Servicing
Wealth Management
Old National Wealth Advisors
Treasury Management
WebsiteLearn more→
Death Claims / Estate Services
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 718, One Main Street, Evansville, IN 47708
Verified Apr 2026
After a Old National account holder 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 Old National's Death Claims / Estate Services at 1-800-731-2265 with the proper legal authority documents.
Begin by calling Old National at 1-800-731-2265. You will need the deceased's full name, account numbers, and a certified death certificate to get the process started.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Old National:
Filing a claim
1
Obtain at least five certified copies of the death certificate
2
Notify Old National Bank:
- Visit a banking center or call Client Care at 1-800-731-2265
- Provide the deceased's full legal name and account information
- Submit the certified death certificate and required documentation
3
Provide account-type-specific documentation:
- POD accounts: beneficiary provides government-issued ID and death certificate to claim funds
- Joint accounts: surviving owner provides death certificate to update the account
- Trust accounts: successor trustee provides death certificate and trust documentation
- Sole-owned accounts without POD: executor or administrator provides probate documentation (Letters Testamentary or Letters of Administration)
4
Old National reviews documentation and processes the claim
Required Documents
- Certified death certificate (at least one original copy)
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (for probate estates)
- Small Estate Affidavit (if estate qualifies under applicable state law)
- Trust documents with successor trustee designation (for trust accounts)
- EIN for the estate (if an estate account is needed)
Alert your estate planning attorney and financial advisor as early priorities. Gather financial documents including outstanding debts, mortgage/loan balances, credit card balances, and unpaid bills. For employer-provided life insurance, stock options, and other benefits, notify current/former employers. For wealth management and trust accounts, contact Old National Wealth Management or the 1834 division. Secure Chat is available through Digital Banking for general inquiries.
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 Old National Bank of the borrower's death:
- Call Mortgage Servicing at 1-866-853-3277 or Client Care at 1-800-731-2265
- Provide the deceased borrower's full legal name, date of death, and loan number
2
Submit required documentation:
- Certified copy of the death certificate
- Documentation proving your ownership interest in the property (probated will, court order, deed, or trust document)
3
Old National will review your documentation and confirm your status as a Successor in Interest
4
Once confirmed, discuss available options:
- Continue making payments
- Apply for loss mitigation or payment assistance
- Assume the loan, refinance, or pay off the balance
5
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
- Letters Testamentary or Letters of Administration (if going through probate)
- Documentation proving ownership interest in the property (probated will, court order, deed, or trust document)
- Trust document showing successor trustee or beneficiary (if property held in trust)
- Marriage certificate (if surviving spouse)
- Small Estate Affidavit (if estate qualifies under applicable state law)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Old National Bank 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 and are entitled to account information, loss mitigation options, and assumption rights. Client Care: 1-800-731-2265. ONB Mortgage Manager available through Digital Banking for account access.
Processing timelines at Old National: POD accounts: beneficiary can claim funds without probate once documentation is verified. Joint accounts: surviving owner retains access. Probate estates: timeline varies based on court proceedings and state requirements. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Old National requires several documents to process a claim, including Certified death certificate (at least one original copy), Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (for probate estates), 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
Yes. After the death of the last surviving account owner, the POD beneficiary (or their legal representative if a minor) becomes the owner of the account. POD accounts pass directly to the named beneficiary without going through probate. Named beneficiaries on POD accounts override any instructions in your will.
Obtain at least five certified copies of the death certificate and notify Old National by visiting a banking center or calling Client Care at 1-800-731-2265 (Monday-Friday 7am-6pm CT, Saturday 7am-12pm CT). For POD accounts, the beneficiary can claim funds by providing ID and a death certificate without probate. For joint accounts, the surviving owner provides the death certificate. For accounts without POD or joint ownership, probate documentation such as Letters Testamentary or a Small Estate Affidavit may be required.
Old National's Death Claims / Estate Services can be reached by phone at 1-800-731-2265 for questions throughout the claims process.
Multiple Old National accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Death Claims / Estate Services to confirm what applies.
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 143, Evansville, IN 47701
International
Mortgage Servicing
Wealth Management
Old National Wealth Advisors
Treasury Management
WebsiteLearn more→
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 143, Evansville, IN 47701
International
Mortgage Servicing
Wealth Management
Old National Wealth Advisors
Treasury Management
WebsiteLearn more→
Death Claims / Estate Services
Phone1-800-731-2265
Mailing Address
Old National Bank, P.O. Box 718, One Main Street, Evansville, IN 47708
Verified Apr 2026
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