What to do when an Origin account holder dies
Report the death to Origin's Customer Service at 1-888-292-4037
After an account holder at Origin 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 Customer Service 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 the death certificate available when making initial contact.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with Origin:
Filing a claim
Required Documents
- Written notice of the account holder's deathNotice must be in a form and manner Origin accepts, with enough information to identify the account.
- Evidence of how the account is to be distributed, for a joint account without right of survivorshipThe evidence must be satisfactory to Origin.
What happens to each kind of account3
- Joint account with survivorship
On the death of one owner, the balance belongs to the surviving owners as their separate property. On a joint account between spouses with right of survivorship, it belongs to the surviving spouse.1
- Joint account without survivorship
After Origin receives written notice of the death of anyone named on the account, it may freeze the account until it has satisfactory evidence of how the account is to be distributed.1
On a joint account between spouses without right of survivorship, the account is held as community property: half belongs to the surviving spouse and half to the deceased spouse's estate.1
- Payable-on-death account
On an In Trust For or Payable on Death account, the living beneficiaries may withdraw once all of the owners have died. They receive the balance left after the owner's outstanding checks and debits are paid.1
State law on paying a balance without letters4 states
- Florida
Permits a bank to pay up to $2,000 on an affidavitFla. Stat. § 735.303Verified Oct 3, 2026View source
- Louisiana
Permits a bank to pay up to $20,000 on an affidavitLa. R.S. 6:315.1Verified Oct 3, 2026View sourceLa. R.S. 6:315.1
Permits a bank to pay up to $20,000 on an affidavitLa. R.S. 9:1513Verified Oct 3, 2026View sourceLa. R.S. 9:1513
- Mississippi
Permits a bank to pay up to $12,500 on a signed receipt or releaseMiss. Code Ann. § 81-5-63Verified Oct 3, 2026View source
- Texas
Permits a bank to pay up to $5,000 on an order of the courtTex. Est. Code § 152.051Verified Oct 3, 2026View source
Not in Origin's published guidance6
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- How long a claim takes
- Whether the death certificate must be certified
- Which court appointment document it accepts
Sources1
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.
- DMI-serviced loans: Origin Bank, PO BOX 660592, Dallas, TX 75266-0592
- Origin Private Mortgage Banking loans: 1101 R.O.C. Lane, Ruston, LA 71270
Required Documents
- The mortgage account numberIt identifies the servicer.
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Accounts handled elsewhere1
- DMI (Dovenmuehle Mortgage, Inc.)
Origin mortgage accounts whose numbers start with 14 or 151
Not in Origin's published guidance1
- A procedure for reporting a death
Sources1
Origin's Customer Service can be reached by phone at 1-888-292-4037 for questions throughout the claims process.
Sources
Data sourced from Origin primary sources (16 pages reviewed). How we research.
Origin death claims support
Customer Service
Phone
Mailing address
Website
Estate planning articles
Learn how to protect your Origin 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.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
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.
