What to do when a Regions account holder dies
Contact Regions's Estate Services — 9-step process, 7 required documents, and pod accounts typically processed within 1-2 weeks after receiving complete documentation. probate-dependent claims take longer depending on court timelines.
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 5th Avenue North, Birmingham, AL 35203
WebsiteLearn more →
Estate Services
Phone1-800-570-3778
Death Claims
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 Fifth Avenue North, Birmingham, AL 35203
Verified Mar 2026
When a Regions 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 Regions's Estate Services (1-800-734-4667) 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 Regions. 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 Regions:
Filing a claim
1Contact Regions Bank at 1-800-734-4667 or visit a local branch to report the death as soon as possible
2Online banking will be disabled once Regions is notified for security
3Provide the deceased account holder's full legal name, account numbers, and Social Security number
4Submit a certified copy of the death certificate
5For POD accounts: beneficiary provides government-issued photo ID to claim funds
6For non-POD accounts: executor or administrator provides Letters Testamentary or Letters of Administration
7For trust accounts: provide trust documents and trustee identification
8Regions reviews documentation and processes the claim
9Assets distributed per beneficiary designation, trust terms, or estate instructions
Required Documents
- Certified death certificate
- Deceased's account numbers and Social Security number
- Government-issued photo ID for beneficiary, executor, or claimant
- Letters Testamentary or Letters of Administration (if no POD or trust designation)
- Trust documents and trustee ID (if trust is beneficiary)
- Copy of the will (if applicable)
- Small Estate Affidavit (if eligible under state law)
Online banking is disabled once Regions is notified of the account holder's death. Only the executor or estate administrator can handle the deceased's accounts. Notify Regions as soon as possible to prevent unauthorized transactions. For estate services assistance, call 1-800-570-3778.
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 Regions Bank of the borrower's death by calling Regions Mortgage Customer Service at 1-800-986-2462
2Provide the deceased borrower's full legal name, Social Security number, and mortgage loan number
3Submit a certified copy of the death certificate
4Request the Successor in Interest documentation package from the representative
5Complete and return the Successor in Interest documentation with proof of your ownership interest in the property (e.g., probated will, court order, recorded deed, or trust document)
6Regions will review your documentation and confirm your status as a Successor in Interest under CFPB mortgage servicing rules
7Once 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
8If experiencing financial difficulty, call 1-800-748-9498 for mortgage payment assistance options
9Continue 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
- Completed Successor in Interest documentation
- Documentation proving ownership interest in the property (one or more of the following): probated will naming you as heir, court order of succession, recorded deed transferring ownership, trust document showing you as successor trustee or beneficiary
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Regions 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 and loss mitigation options. Mortgage payment assistance: 1-800-748-9498. Mortgage and home equity assistance: 1-800-221-7471. Overnight mail: Regions Payment Office, 6200 Poplar Ave, 4th Floor, Memphis, TN 38119.
Processing timelines at Regions: POD accounts typically processed within 1-2 weeks after receiving complete documentation. Probate-dependent claims take longer depending on court timelines.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Regions requires several documents to process a claim, including Certified death certificate, Deceased's account numbers and Social Security number, and Government-issued photo ID for beneficiary, executor, or claimant, 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 a Regions Bank branch or call 1-800-734-4667 to request a Payable on Death (POD) beneficiary designation form. You can name primary and contingent beneficiaries, including trusts. A separate POD form is required for each account. You will need each beneficiary's full legal name, date of birth, and Social Security number.
Contact Regions Bank at 1-800-734-4667 or visit a local branch as soon as possible. Have the death certificate, the deceased's account numbers, and Social Security number ready. Online banking will be disabled once Regions is notified. Only the executor or estate administrator can handle the deceased's accounts going forward.
You will need a certified death certificate, the deceased's account numbers, their Social Security number, and your government-issued photo ID. For POD accounts, the named beneficiary can claim funds with these documents. If there is no POD designation, the executor or administrator must also provide Letters Testamentary or Letters of Administration from the probate court.
Regions's Death Claims can be reached by phone at 1-800-734-4667 for questions throughout the claims process.
If the deceased held multiple Regions accounts, each may require a separate claim or have different documentation requirements. The Estate Services can confirm which accounts require individual attention and which can be processed together.
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 5th Avenue North, Birmingham, AL 35203
WebsiteLearn more →
Estate Services
Phone1-800-570-3778
Death Claims
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 Fifth Avenue North, Birmingham, AL 35203
Verified Mar 2026
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