What to do when a Prosperity Bank account holder dies
Contact Prosperity Bank — 8-step process, 8 required documents, and 5-10 business days for initial review after complete document submission
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Wealth Management & Trust
WebsiteLearn more →
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Wealth Management & Trust
WebsiteLearn more →
Death Claims / Account Settlement
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 80 Sugar Creek Center Blvd., Sugar Land, TX 77478
Home Mortgage
International
Verified Mar 2026
When a Prosperity 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 Prosperity Bank's Death Claims / Account Settlement (1-800-531-1401) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Prosperity Bank. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Prosperity Bank:
Filing a claim
1Contact Prosperity Bank at 1-800-531-1401 or visit your local banking center to report a death
2For accounts with POD beneficiary: provide certified death certificate and beneficiary government-issued ID
3For joint accounts with right of survivorship: provide certified death certificate to remove the deceased from the account
4For accounts without beneficiary or survivorship: obtain Letters Testamentary or Letters of Administration from the probate court
5For trust accounts: provide certified death certificate, successor trustee documentation, and trust agreement pages identifying successor trustee provisions
6For IRA accounts: provide certified death certificate, beneficiary ID, and complete the IRA distribution or inherited IRA forms
7Submit all required documents to your local Prosperity Bank banking center in person or by mail
8The bank will review documentation and process the claim
Required Documents
- Certified death certificate
- Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee)
- Account information for the deceased (account numbers, statements)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from probate court
- For trust accounts: trust agreement pages identifying successor trustee provisions, signature pages, and amendments
- For IRA accounts: IRA distribution forms or inherited IRA application
- Small estate affidavit (if applicable under Texas or Oklahoma law)
- Claimant's bank account information for fund transfer (if applicable)
Prosperity Bank is a regional bank with 283 full-service banking centers across Texas and Oklahoma. It is generally recommended to visit the local branch where the deceased held their account for the most efficient processing. For accounts held in trust, the Wealth Management and Trust Services division (trust@prosperitybankusa.com) may be involved in the settlement process. Notify the bank promptly upon death; the bank may continue to honor checks until it knows of the death and has had a reasonable opportunity to act.
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.
1Notify Prosperity Bank of the borrower's death by calling the Home Mortgage line at 1-800-657-9500 or Customer Service at 1-800-531-1401
2Provide the deceased borrower's full legal name, date of death, and loan number
3Submit a certified copy of the death certificate
4Submit documentation proving your ownership interest in the property (probated will, court order, deed, or trust document)
5Prosperity Bank will review your documentation and confirm your status as a Successor in Interest
6Once 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
7Continue 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 Texas or Oklahoma law)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Prosperity 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. General Customer Service: 1-800-531-1401. Prosperity Bank Plaza: 4295 San Felipe, Houston, TX 77027.
Processing timelines at Prosperity Bank: 5-10 business days for initial review after complete document submission. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Prosperity Bank requires several documents to process a claim, including Certified death certificate, Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased (account numbers, statements), 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 your local Prosperity Bank banking center to add or update POD (Payable on Death) beneficiary designations on deposit accounts. You will need to provide the beneficiary's name, date of birth, Social Security number, and relationship. You can also call 1-800-531-1401 to request a beneficiary designation form. Online beneficiary management is not currently available. Beneficiary designation forms are not available for download on the Prosperity Bank website; they are obtained in-branch or by request through customer service.
Contact Prosperity Bank at 1-800-531-1401 (available Monday-Friday, 7:00 AM to 7:00 PM and Saturday, 9:00 AM to 5:00 PM) or visit the local banking center where the deceased held their accounts. You will need to provide a certified death certificate and valid government-issued ID. The bank will explain the specific process based on the account type, whether it has a POD beneficiary, joint ownership, or requires probate documentation. The bank may continue to honor checks drawn on or before the date of death until it has been notified and has had reasonable opportunity to act.
Required documents depend on the account type. For POD accounts, you need a certified death certificate and beneficiary ID. For accounts without a beneficiary, you need Letters Testamentary or Letters of Administration from the probate court (or a small estate affidavit if applicable under Texas or Oklahoma law). For trust accounts, you need the death certificate, trust agreement pages showing successor trustee provisions, and successor trustee ID. For IRA accounts, you need the death certificate, beneficiary ID, and completed IRA distribution or inherited IRA forms.
Prosperity Bank's Death Claims / Account Settlement can be reached by phone at 1-800-531-1401 for questions throughout the claims process.
If the deceased held multiple Prosperity Bank accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Account Settlement can confirm which accounts require individual attention and which can be processed together.
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Wealth Management & Trust
WebsiteLearn more →
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Wealth Management & Trust
WebsiteLearn more →
Death Claims / Account Settlement
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 80 Sugar Creek Center Blvd., Sugar Land, TX 77478
Home Mortgage
International
Verified Mar 2026
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