What to do when a Pinnacle Bank account holder dies
Contact Pinnacle Bank — 3-step process, 6 required documents, and varies based on account type, documentation completeness, and whether probate is required. pod accounts are typically the fastest to process.
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Pinnacle Anytime (automated)
Lost/Stolen Debit Card (Carolinas/Virginia; TN/Atlanta use main line)
Small Business Specialists
Health & Benefits (consumers, Mon-Fri 7am-7pm CT)
Health & Benefits (employers, Mon-Fri 7am-7pm CT)
WebsiteLearn more→
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Pinnacle Anytime (automated)
Lost/Stolen Debit Card (Carolinas/Virginia; TN/Atlanta use main line)
Small Business Specialists
Health & Benefits (consumers, Mon-Fri 7am-7pm CT)
Health & Benefits (employers, Mon-Fri 7am-7pm CT)
WebsiteLearn more→
Death Claims
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Loan Operations (mortgage deaths)
Verified Apr 2026
When a Pinnacle Bank 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 Pinnacle Bank's Death Claims (1-800-264-3613) to access and distribute the funds.
To start, call Pinnacle Bank at 1-800-264-3613. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Pinnacle Bank:
Filing a claim
1
Call Pinnacle Bank at 1-800-264-3613 (available 24/7 with live representatives) or visit a local branch
2
Provide initial information:
- Provide the deceased's full legal name, date of birth, and account information
- Submit a certified death certificate
3
Follow the process for your account type:
- For POD accounts: named beneficiary provides certified death certificate and valid government-issued photo ID to claim funds
- For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove the deceased from the account
- For sole-owned accounts without POD: executor provides Letters Testamentary or Letters of Administration from the probate court
- For trust accounts: successor trustee provides certified death certificate and trust documentation showing successor trustee authority
- For investment accounts: contact your Pinnacle Asset Management or Wealth Advisors representative directly
Required Documents
- Certified death certificate (original or certified copy)
- Government-issued photo ID for claimant, beneficiary, executor, or successor trustee
- Letters Testamentary or Letters of Administration (for probate estates)
- Small Estate Affidavit (if estate qualifies under applicable state law)
- Trust documentation with successor trustee designation (for trust accounts)
- Court order (if applicable)
Pinnacle emphasizes local decision-making. Your local branch team can often coordinate the entire death claim process. For accounts held through Raymond James, a separate claim process may apply through the investment services division. For mortgage-related death notifications, Loan Operations can be reached at 615-494-9657 or specializedloanteam@pnfp.com. Pinnacle customers also have free access to Synovus ATMs during the integration period.
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 Pinnacle Bank of the borrower's death by calling 1-800-264-3613 (available 24/7 with live representatives) or visiting a local branch
2
Submit required documentation:
- Provide the deceased borrower's full legal name, date of death, and loan number
- Submit a certified copy of the death certificate
- Submit documentation proving your ownership interest in the property (probated will, court order, deed, or trust document)
3
Successor in Interest review and resolution:
- Pinnacle will review your documentation and confirm your status as a Successor in Interest
- Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
4
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), Pinnacle 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. Loan Operations (payoffs, VOMs): 615-494-9657 or specializedloanteam@pnfp.com. General loan questions: loanoperations@pnfp.com.
Expected timelines at Pinnacle Bank: Varies based on account type, documentation completeness, and whether probate is required. POD accounts are typically the fastest to process. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Pinnacle Bank requires several documents to process a claim, including Certified death certificate (original or certified copy), Government-issued photo ID for claimant, beneficiary, executor, or successor trustee, 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
Pinnacle HSAs allow a beneficiary designation so that your HSA balance transfers directly to the named individual upon your death. If you want to name someone other than your spouse as primary beneficiary, spousal consent (with your spouse's signature) is required. Contact the Client Service Center for Health and Benefits at 888-282-2605 (Monday through Friday, 7 a.m. to 7 p.m. CT) to obtain the HSA Death Beneficiary Form or to update your designation. HSA funds left to a spouse transfer tax-free and the surviving spouse can treat the account as their own HSA. Funds left to any other beneficiary are taxable to the recipient in the year of distribution.
Pinnacle Bank's Death Claims can be reached by phone at 1-800-264-3613 for questions throughout the claims process.
If the deceased held multiple Pinnacle Bank 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.
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Pinnacle Anytime (automated)
Lost/Stolen Debit Card (Carolinas/Virginia; TN/Atlanta use main line)
Small Business Specialists
Health & Benefits (consumers, Mon-Fri 7am-7pm CT)
Health & Benefits (employers, Mon-Fri 7am-7pm CT)
WebsiteLearn more→
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Pinnacle Anytime (automated)
Lost/Stolen Debit Card (Carolinas/Virginia; TN/Atlanta use main line)
Small Business Specialists
Health & Benefits (consumers, Mon-Fri 7am-7pm CT)
Health & Benefits (employers, Mon-Fri 7am-7pm CT)
WebsiteLearn more→
Death Claims
Phone1-800-264-3613
Mailing Address
Pinnacle Bank, 21 Platform Way S., Suite 2300, Nashville, TN 37203
Loan Operations (mortgage deaths)
Verified Apr 2026
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