What to do when a Prosperity Bank account holder dies
Contact Prosperity Bank — 4-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
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
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 Apr 2026
After a Prosperity Bank 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 Prosperity Bank's Death Claims / Account Settlement at 1-800-531-1401 with the proper legal authority documents.
The first step is contacting Prosperity Bank at 1-800-531-1401 with the account holder's full name, account numbers, and a certified death certificate in hand.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with Prosperity Bank:
Filing a claim
1
Contact Prosperity Bank at 1-800-531-1401 or visit your local banking center to report a death
2
Gather documents based on account type:
- POD beneficiary accounts: certified death certificate and beneficiary government-issued ID
- Joint accounts with right of survivorship: certified death certificate to remove the deceased
- Accounts without beneficiary or survivorship: Letters Testamentary or Letters of Administration from probate court
- Trust accounts: certified death certificate, successor trustee documentation, and trust agreement pages identifying successor trustee provisions
- IRA accounts: certified death certificate, beneficiary ID, and completed IRA distribution or inherited IRA forms
3
Submit all required documents to your local Prosperity Bank banking center in person or by mail
4
The 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.
1
Notify 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
2
Provide initial information:
- Deceased borrower's full legal name, date of death, and loan number
- Certified copy of the death certificate
- Documentation proving your ownership interest in the property (probated will, court order, deed, or trust document)
3
Prosperity Bank will review your documentation and confirm your status as a Successor in Interest
4
Once confirmed, discuss available options:
- Continue making payments on the existing loan
- Apply for loss mitigation
- Assume the loan, refinance, or pay off the balance
5
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 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.
How long the process takes at Prosperity Bank: 5-10 business days for initial review after complete document submission. 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 Prosperity Bank includes Certified death certificate, Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased (account numbers, statements), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Contact Prosperity Bank at 1-800-531-1401 or visit your local banking center to report the death. For POD accounts, the beneficiary presents a certified death certificate and government-issued ID to claim the funds. Joint accounts with right of survivorship pass to the surviving owner upon presentation of a death certificate. Accounts without a beneficiary or survivorship feature typically require Letters Testamentary or Letters of Administration from the probate court before Prosperity will release funds. Trust accounts pass to the successor trustee upon presentation of the death certificate and trust documentation. Prosperity Trust (trust@prosperitybankusa.com) can assist with estate settlement for accounts administered through the Wealth Management division.
Prosperity Bank's Death Claims / Account Settlement can be reached by phone at 1-800-531-1401 for questions throughout the claims process.
Multiple Prosperity Bank accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Death Claims / Account Settlement to confirm what applies.
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
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 Apr 2026
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