What to do when a Renasant Bank account holder dies
Contact Renasant Bank's Wealth Management Trust Division — 9-step process, 7 required documents, and 5-10 business days for standard claims after all documents are received
Phone1-877-367-5371
Emailinfo@renasant.com
Mailing Address
Renasant Bank, 209 Troy Street, Tupelo, MS 38801
WebsiteLearn more →
Wealth Management Trust Division
Phone662-680-1209
Emailtrust@renasant.com
Mailing Address
Renasant Bank Wealth Management, 209 Troy Street, Tupelo, MS 38801
WebsiteLearn more →
Death Claims / Estate Services
Phone1-877-367-5371
Emailtrust@renasant.com
Mailing Address
Renasant Bank, P.O. Box 709, Tupelo, MS 38802
Verified Mar 2026
When a Renasant 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 Renasant Bank's Wealth Management Trust Division (1-877-367-5371) 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 Renasant 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 Renasant Bank:
Filing a claim
1Contact Renasant Bank by visiting a branch or calling 1-877-367-5371 to notify them of the account holder's death
2Provide a certified copy of the death certificate
3For accounts with POD beneficiary: provide beneficiary government-issued photo ID and death certificate; funds are released to the named beneficiary
4For joint accounts with right of survivorship: provide death certificate and surviving owner ID; the account continues under the surviving owner
5For accounts without beneficiary or joint ownership: provide Letters Testamentary or Letters of Administration from the probate court
6For trust accounts: provide death certificate, successor trustee documentation, and updated trust certification
7For IRA accounts: provide death certificate, beneficiary ID, and complete the appropriate IRA distribution or inherited IRA paperwork
8Submit all documentation to your local branch or mail to P.O. Box 709, Tupelo, MS 38802
9Renasant will review documentation and process the claim; additional documents may be requested
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the beneficiary, executor, or successor trustee
- Account information for the deceased (account number, account type)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from probate court
- For trust accounts: successor trustee documentation and updated Certification of Trust
- For IRA accounts: IRA distribution forms or inherited IRA application
- Small estate affidavit (if applicable under state law for estates below the small estate threshold)
Processing time varies based on account type, documentation completeness, and whether probate is required. For trust accounts administered by Renasant Wealth Management, contact the Wealth Management Trust Division directly at 662-680-1209 or trust@renasant.com for estate settlement guidance. POD accounts typically settle fastest once proper documentation is provided.
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 Renasant Bank of the borrower's death by calling Renasant Mortgage Servicing at 877-492-3248
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 mortgage servicing 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)
6Renasant 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
8Continue 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), Renasant 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. Automated pay by phone: 866-430-9683 (24 hours). Phone pay with specialist: 855-753-6206. Online mortgage servicing portal: renasantmortgageservicing.com.
Processing timelines at Renasant Bank: 5-10 business days for standard claims after all documents are received. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Renasant Bank requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued photo ID for the beneficiary, executor, or successor trustee, and Account information for the deceased (account number, account type), 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 any Renasant Bank branch or call 1-877-367-5371 to add a POD (Payable on Death) beneficiary to your deposit accounts. You will need to provide the beneficiary's full legal name, date of birth, and Social Security number. Bring a valid government-issued photo ID to the branch. For IRA accounts, complete the IRA beneficiary designation form to name primary and contingent beneficiaries.
Visit any Renasant Bank branch or call 1-877-367-5371 to notify the bank of an account holder's death. You will need a certified copy of the death certificate and valid government-issued photo ID. For POD accounts, the named beneficiary can claim funds with proper identification. For accounts without a beneficiary, Letters Testamentary or Letters of Administration from the probate court are required.
Standard estate claims are typically processed within 5 to 10 business days after all required documentation is received. Processing time varies depending on account type, completeness of documentation, and whether probate proceedings are required. POD accounts generally settle faster than accounts requiring probate documentation.
Renasant Bank's Death Claims / Estate Services can be reached by phone at 1-877-367-5371 and email at trust@renasant.com for questions throughout the claims process.
If the deceased held multiple Renasant Bank accounts, each may require a separate claim or have different documentation requirements. The Wealth Management Trust Division can confirm which accounts require individual attention and which can be processed together.
Phone1-877-367-5371
Emailinfo@renasant.com
Mailing Address
Renasant Bank, 209 Troy Street, Tupelo, MS 38801
WebsiteLearn more →
Wealth Management Trust Division
Phone662-680-1209
Emailtrust@renasant.com
Mailing Address
Renasant Bank Wealth Management, 209 Troy Street, Tupelo, MS 38801
WebsiteLearn more →
Death Claims / Estate Services
Phone1-877-367-5371
Emailtrust@renasant.com
Mailing Address
Renasant Bank, P.O. Box 709, Tupelo, MS 38802
Verified Mar 2026
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