What to do when a Origin account holder dies
Contact Origin — 9-step process, 7 required documents, and varies based on account type, documentation completeness, and whether probate is required.
Phone1-888-292-4037
Toll-Free1-888-292-4037
Emailsocial@origin.bank
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
WebsiteLearn more →
Phone1-888-292-4037
Toll-Free1-888-292-4037
Emailsocial@origin.bank
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
WebsiteLearn more →
Death Claims
Phone1-888-292-4037
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
Verified Mar 2026
When a Origin account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Origin's Death Claims (1-888-292-4037) to access and distribute the funds.
The claim process begins with a phone call to 1-888-292-4037. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Origin:
Filing a claim
1Contact Origin Bank at 888-292-4037 or visit a banking center to notify the bank of the account holder's death
2Provide a certified copy of the death certificate
3For accounts with a POD beneficiary: beneficiary presents valid government-issued ID and death certificate to claim funds
4For joint accounts with right of survivorship: surviving owner presents death certificate to remove deceased owner from the account
5For accounts without a beneficiary or survivorship: executor or administrator presents Letters Testamentary or Letters of Administration along with the death certificate
6For trust accounts: successor trustee presents death certificate, trust documentation showing successor trustee authority, and valid ID
7For IRA accounts: beneficiary presents death certificate, valid ID, and completes distribution or inherited IRA paperwork
8Submit all required documents at a banking center or by mail
9Origin Bank will review documentation and process the claim
Required Documents
- Certified copy of the death certificate
- Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee)
- Account information for the deceased (account number, full name)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from probate court
- For small estates: Small Estate Affidavit (if applicable under state law)
- For trust accounts: trust documentation showing successor trustee authority, successor trustee ID, and any amendments
- For IRA accounts: beneficiary designation verification and distribution election form
Origin Bank does not publish a dedicated estate services page or department. Contact general customer service at 888-292-4037 or visit any banking center to initiate the death claim process. For mortgage accounts serviced by DMI (Dovenmuehle Mortgage, Inc.), contact the servicer listed on the mortgage statement directly.
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.
1Contact Origin Bank customer service at 888-292-4037 or visit a banking center to report the borrower's death
2Provide the deceased borrower's full legal name, account/loan number, and Social Security number
3Submit a certified copy of the death certificate
4Provide documentation proving your relationship to the deceased and ownership interest in the property (e.g., will, trust document, court order, deed, or marriage certificate)
5If the mortgage is serviced by DMI (Dovenmuehle Mortgage, Inc.), contact DMI directly -- check your mortgage statement for the correct servicer
6Origin Bank or the servicer will review documentation and confirm your status as a successor in interest
7Once confirmed, discuss options: continue making payments, apply for loan assumption, refinance, or pay off the balance
8Continue 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 claimant
- Deed to the property or other proof of ownership interest
- Letters Testamentary or Letters of Administration (if court-appointed fiduciary)
- Trust agreement (if property held in trust)
- Will or other testamentary document (if applicable)
- Marriage certificate (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Origin Bank cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, or relative of the deceased borrower, or to the borrower's revocable living trust. If the mortgage is serviced by DMI (Dovenmuehle Mortgage, Inc.), contact DMI directly for death claim processing -- the servicer information is on the mortgage statement.
Processing timelines at Origin: Varies based on account type, documentation completeness, and whether probate is required.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Origin requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased (account number, full name), 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
Visit any Origin Bank banking center or call 888-292-4037 to request a POD (Payable on Death) beneficiary designation on your deposit account. You will need to provide the beneficiary's full legal name, date of birth, Social Security number, and relationship. POD beneficiaries can be added to checking, savings, money market, and CD accounts. Regardless of what your will states, the person listed as the beneficiary on your account receives those assets.
Yes. Origin Bank supports Payable on Death (POD) designations on deposit accounts including checking, savings, money market, and CD accounts, so assets pass directly to your named beneficiaries without going through probate. Contact a banking center or call 888-292-4037 to set up a POD designation.
Yes. Origin Bank supports trust accounts for checking, savings, money market, and CD accounts. Visit a banking center with your Certification of Trust or full trust agreement, trustee ID, and trust tax identification number to open or retitle an account. Per Origin's deposit account agreement, on the death of the last surviving trustee, ownership of the trust account passes to the beneficiary named in the trust.
Contact Origin Bank at 888-292-4037 or visit any banking center to notify the bank of the account holder's death. You will need a certified copy of the death certificate and valid government-issued identification. Additional documentation requirements depend on the account type and whether a POD beneficiary, joint owner, or executor is claiming the account.
Required documents vary by account type. For POD accounts: death certificate and beneficiary ID. For joint accounts with right of survivorship: death certificate. For accounts without a beneficiary: death certificate, Letters Testamentary or Letters of Administration, and executor ID. For trust accounts: death certificate, trust documentation with successor trustee provisions, and successor trustee ID. For IRA accounts: death certificate, beneficiary ID, and distribution election forms.
The mortgage obligation does not disappear at death. Heirs who inherit the property through a trust, will, or intestate succession also inherit the mortgage. Under the federal Garn-St. Germain Act (12 U.S.C. 1701j-3), Origin Bank cannot call the loan due or accelerate payments when the property transfers to a surviving spouse, child, or the borrower's revocable trust. Contact Origin Bank at 888-292-4037 to discuss options. If the mortgage is serviced by DMI (Dovenmuehle Mortgage, Inc.), contact DMI directly using the number on your mortgage statement.
Origin's Death Claims can be reached by phone at 1-888-292-4037 for questions throughout the claims process.
If the deceased held multiple Origin accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-888-292-4037
Toll-Free1-888-292-4037
Emailsocial@origin.bank
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
WebsiteLearn more →
Phone1-888-292-4037
Toll-Free1-888-292-4037
Emailsocial@origin.bank
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
WebsiteLearn more →
Death Claims
Phone1-888-292-4037
Mailing Address
Origin Bank, 1511 North Trenton Street, Ruston, LA 71270
Verified Mar 2026
Tools for settling a Origin estate
Calculators and checklists to help navigate estate settlement after a Origin account holder passes away.
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