What to do when a Regions account holder dies
Contact Regions's Regions Private Wealth Management - Trust & Estate Planning — 7-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→
Death Claims
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 Fifth Avenue North, Birmingham, AL 35203
Verified Apr 2026
What happens to Regions accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with Regions's Regions Private Wealth Management - Trust & Estate Planning (1-800-734-4667) to claim the funds.
The claim process begins with a phone call to 1-800-734-4667. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what Regions requires:
Filing a claim
1
Contact Regions Bank at 1-800-734-4667 or visit a local branch to report the death as soon as possible
2
Online banking will be disabled once Regions is notified for security
3
Provide the deceased account holder's full legal name, account numbers, and Social Security number
4
Submit a certified copy of the death certificate
5
Provide additional documentation based on account type:
- For POD accounts: beneficiary provides government-issued photo ID to claim funds
- For non-POD accounts: executor or administrator provides Letters Testamentary or Letters of Administration
- For trust accounts: provide trust documents and trustee identification
6
Regions reviews documentation and processes the claim
7
Assets 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.
1
Notify Regions Bank of the borrower's death by calling Regions Mortgage Customer Service at 1-800-986-2462
2
Provide the deceased borrower's full legal name, Social Security number, and mortgage loan number
3
Submit a certified copy of the death certificate
4
Complete the Successor in Interest process:
- Request the Successor in Interest documentation package from the representative
- Complete and return the documentation with proof of your ownership interest in the property (e.g., probated will, court order, recorded deed, or trust document)
- Regions will review your documentation and confirm your status under CFPB mortgage servicing rules
5
Once confirmed as Successor in Interest, discuss available options:
- Continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
- If experiencing financial difficulty, call 1-800-748-9498 for mortgage payment assistance options
6
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
- 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.
How long the process takes at Regions: POD accounts typically processed within 1-2 weeks after receiving complete documentation. Probate-dependent claims take longer depending on court timelines. 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 Regions includes Certified death certificate, Deceased's account numbers and Social Security number, and Government-issued photo ID for beneficiary, executor, or claimant, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
To add a POD beneficiary to a Regions Bank checking, savings, money market, or CD account, visit a local branch with government-issued photo ID and request a Payable on Death beneficiary designation form. You can also call 1-800-734-4667 to initiate the process by phone, after which a form may be mailed for your signature. Provide the beneficiary's full legal name, date of birth, Social Security number, and relationship. If naming a trust as POD beneficiary, provide the trust name, date established, and EIN. A separate form is required for each account.
The outcome depends on how each account is set up. Accounts with POD beneficiary designations pass directly to the named beneficiaries outside of probate once they present a certified death certificate and government-issued ID at a branch. Accounts retitled to a revocable living trust pass according to the trust terms, administered by the successor trustee without probate. Accounts with no POD or trust designation become part of the probate estate and are distributed under the terms of the will or state intestacy law. To report a death, call Regions at 1-800-734-4667 or visit a local branch. For estate services assistance, call 1-800-570-3778.
Regions's Death Claims can be reached by phone at 1-800-734-4667 for questions throughout the claims process.
When the deceased had multiple Regions accounts, some may need separate claims while others can be handled together. The Regions Private Wealth Management - Trust & Estate Planning can clarify what's needed for each account type.
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 5th Avenue North, Birmingham, AL 35203
WebsiteLearn more→
Death Claims
Phone1-800-734-4667
Mailing Address
Regions Bank, 1900 Fifth Avenue North, Birmingham, AL 35203
Verified Apr 2026
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