What to do when a Pinnacle Bank (NE) account holder dies
Report the death to Pinnacle Bank (NE) at 1-800-227-7715
When an account holder at Pinnacle Bank (NE) 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 Pinnacle Bank (NE)'s Pinnacle Trust Services (1-402-697-0050) to access and distribute the funds.
To start, call Pinnacle Bank (NE) at 1-402-697-0050. Have the account holder's full name, account numbers, and the death certificate ready before you call.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Pinnacle Bank (NE):
Filing a claim
Required Documents
- Court order naming the executor or administrator, to open an estate account
What happens to each kind of account5
- Account in one name
Under the Terms and Conditions for Arizona, Colorado, Nebraska and New Mexico accounts, ownership of a single-party account passes as part of the party's estate.1
- Joint account with survivorship
Under the Terms and Conditions for Arizona, Colorado, Nebraska and New Mexico accounts, ownership of a multiple-party account with right of survivorship passes to the surviving parties.1
- Joint account without survivorship
Under the Terms and Conditions for Arizona, Colorado, Nebraska and New Mexico accounts, the deceased party's ownership of a multiple-party account without right of survivorship passes as part of the deceased party's estate.1
- Payable-on-death account
Under the Terms and Conditions for Arizona, Colorado, Nebraska and New Mexico accounts, ownership of a single-party account with a pay-on-death designation passes to the designated beneficiaries and is not part of the party's estate.1
What Pinnacle Bank (NE)'s agreement and guidance say2
- Telling the institution
The Terms and Conditions of Your Account ask that Pinnacle be notified promptly when anyone with a right to withdraw funds dies.1
- Payments after the death
Pinnacle may continue to honor checks, items and instructions until it knows of the death and has had a reasonable opportunity to act. It may pay or certify checks drawn on or before the date of death for up to ten days after the death, unless someone claiming an interest in the account orders a stop payment.1
Not in Pinnacle Bank (NE)'s published guidance7
- A procedure for reporting a death
- A claim form
- A department for deceased-customer accounts
- A fax number for claim documents
- An email address for claim documents
- An online way to report a death
- Whether the death certificate must be certified
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.
Claims Contact
Phone: 1-402-697-8600
Email: pinnaclebank.mortgage@pinnbank.com
Mailing address: Pinnacle Bank Compliance Department, 20544 Highway 370, P.O. Box 598, Gretna, NE 68028
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
Not in Pinnacle Bank (NE)'s published guidance2
- A procedure for reporting a death
- A list of required documents
Claims Contact
Phone: 1-855-325-0903
Hours: 24 hours a day, 7 days a week
What happens to each kind of account1
- Credit card
Under Section O of the Credit Card Agreement, a cardholder's death is a default: the bank may, without notice, close the account, cancel all cards issued on it and require immediate payment of the entire balance. Section P lets the bank, on default, also suspend the account or file a lawsuit.1
If the card is a joint account, the surviving joint account holder remains jointly and individually responsible for repaying all amounts due under the agreement.1
Not in Pinnacle Bank (NE)'s published guidance2
- A procedure for reporting a death
- A list of required documents
Sources1
- 1.Pinnacle Bank/Bank of Colorado Credit Card Agreement, REV.12/24
Pinnacle Bank (NE)'s Pinnacle Trust Services can be reached by phone at 1-402-697-0050 and fax at 1-402-697-8887 for questions throughout the claims process.
Sources
(5)·
Data sourced from Pinnacle Bank (NE) primary sources (35 pages reviewed). How we research.
Pinnacle Bank (NE) death claims support
Customer Service (Account Related Assistance)
Phone
Business Online Banking
Business Premium Online Banking
Online Bill Pay (personal)
Lost/Stolen Visa Debit Card
Activate a New Visa Debit Card / Change PIN
Lost/Stolen Credit Card and Credit Card Balance Inquiry
Diamond Secure — identity fraud or cellular telephone claim
Mortgage Center
Hours
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your Pinnacle Bank (NE) accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
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.
