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Contact Provident's Beacon Trust (Wealth Management & Trust Services) — 8-step process, and 6 required documents
Provident Bank, P.O. Box 1001, Iselin, NJ 08830-1001
Beacon Trust (Wealth Management & Trust Services)
Beacon Trust, 163 Madison Avenue, Suite 600, Morristown, NJ 07960
Death Claims (via Customer Service)
Provident Bank, P.O. Box 1001, Iselin, NJ 08830-1001
When a Provident 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 Provident's Beacon Trust (Wealth Management & Trust Services) (1-800-448-7768) 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 Provident. A certified death certificate is the primary document required to start any claim.
Here is the step-by-step death claim process at Provident:
Provident Bank does not publish a dedicated estate services phone line or portal. Death claims are handled through the general customer service line or at any branch location. For accounts with POD designations, the beneficiary does not acquire an interest until after the death of the account owner or the last surviving joint owner.
Provident requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration (if probate required), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Visit any Provident Bank branch to add a Payable on Death (POD) beneficiary to your checking, savings, or CD account. Bring your government-issued photo ID and the beneficiary's full legal name. You can also call customer service at 1-800-448-7768 for assistance. POD designations are not currently available to set up online.
If your account has a named POD beneficiary, the beneficiary can claim the funds by presenting a death certificate and government-issued ID at any branch. If the account is titled in a trust, the successor trustee takes control by presenting trust documents and the death certificate. If neither a POD beneficiary nor trust is in place, the account goes through probate and requires Letters Testamentary or Letters of Administration from the court.
The mortgage obligation does not disappear at death. Heirs who inherit the property through a trust, will, or intestate succession also inherit the mortgage. Under the federal Garn-St. Germain Act (12 U.S.C. 1701j-3), Provident Bank cannot call the loan due or accelerate payments when the property transfers to a surviving spouse, child, or the borrower's revocable trust. Heirs should contact Provident Bank at 1-800-448-7768 to discuss options including loan assumption, continued payments, refinancing, or payoff.
Contact Provident Bank customer service at 1-800-448-7768 (Monday-Friday 8 AM to 7 PM ET, Saturday 9 AM to 2 PM ET) or visit any branch location. Bring a certified death certificate, your government-issued photo ID, and documentation of your authority to act on the account (Letters Testamentary, trust agreement, or proof of POD beneficiary status).
Provident's Death Claims (via Customer Service) can be reached by phone at 1-800-448-7768 for questions throughout the claims process.
If the deceased held multiple Provident accounts, each may require a separate claim or have different documentation requirements. The Beacon Trust (Wealth Management & Trust Services) can confirm which accounts require individual attention and which can be processed together.
Provident Bank, P.O. Box 1001, Iselin, NJ 08830-1001
Beacon Trust (Wealth Management & Trust Services)
Beacon Trust, 163 Madison Avenue, Suite 600, Morristown, NJ 07960
Death Claims (via Customer Service)
Provident Bank, P.O. Box 1001, Iselin, NJ 08830-1001
Calculators and checklists to help navigate estate settlement after a Provident account holder passes away.
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
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Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
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