What to do when a Origin account holder dies
Contact Origin — 5-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 Apr 2026
After a Origin 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 Origin's Death Claims at 1-888-292-4037 with the proper legal authority documents.
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
Follow these steps to file a death claim with Origin:
Filing a claim
1
Contact Origin Bank at 888-292-4037 or visit a banking center to notify the bank of the account holder's death
2
Provide a certified copy of the death certificate
3
Submit documentation based on account type:
- POD accounts: beneficiary presents valid government-issued ID and death certificate to claim funds
- Joint accounts with right of survivorship: surviving owner presents death certificate to remove deceased owner from the account
- Accounts without a beneficiary or survivorship: executor or administrator presents Letters Testamentary or Letters of Administration along with the death certificate
- Trust accounts: successor trustee presents death certificate, trust documentation showing successor trustee authority, and valid ID
- IRA accounts: beneficiary presents death certificate, valid ID, and completes distribution or inherited IRA paperwork
4
Submit all required documents at a banking center or by mail
5
Origin 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.
1
Contact Origin Bank customer service at 888-292-4037 or visit a banking center to report the borrower's death
2
Provide identifying information and documentation:
- Deceased borrower's full legal name, account/loan number, and Social Security number
- Certified copy of the death certificate
- Documentation proving your relationship to the deceased and ownership interest in the property (e.g., will, trust document, court order, deed, or marriage certificate)
3
If the mortgage is serviced by DMI (Dovenmuehle Mortgage, Inc.), contact DMI directly -- check your mortgage statement for the correct servicer
4
Origin Bank or the servicer will review documentation and confirm your status as a successor in interest
5
Once confirmed, discuss next steps:
- Continue making payments under the existing loan terms
- Apply for loan assumption
- Refinance or pay off the balance
6
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 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.
How long the process takes at Origin: Varies based on account type, documentation completeness, and whether probate is required. 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 Origin includes 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), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
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 accepts trust accounts for checking, savings, money market, and CD products. Visit any banking center with your trust documentation -- typically a Certification of Trust or full trust agreement, trustee government-issued identification, and the trust tax identification number (EIN for irrevocable trusts, or grantor SSN for revocable trusts). Per Origin Bank's deposit account agreement, on the death of the last surviving trustee, ownership of the trust account passes to the beneficiary and does not pass under the trustee's will or by intestacy.
If the CD has a POD (Payable on Death) beneficiary designation, the named beneficiary can claim the funds by visiting an Origin Bank banking center with a certified copy of the death certificate and valid government-issued ID. If the CD has no beneficiary, the estate is entitled to the funds and the executor or administrator must provide Letters Testamentary or Letters of Administration. Early withdrawal penalties are typically waived when a CD is closed due to the death of the owner.
Origin's Death Claims can be reached by phone at 1-888-292-4037 for questions throughout the claims process.
Multiple Origin accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Death Claims to confirm what applies.
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 Apr 2026
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