What to do when a Renasant Bank account holder dies
Contact Renasant Bank's Wealth Management Trust Division — 5-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 Apr 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.
Before contacting Renasant Bank, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Deposit, investment & retirement accounts
The death claim process at Renasant Bank works as follows:
Filing a claim
1
Contact Renasant Bank by visiting a branch or calling 1-877-367-5371 to notify them of the account holder's death
2
Provide a certified copy of the death certificate
3
Follow the process for your account type:
- For accounts with POD beneficiary: provide beneficiary government-issued photo ID and death certificate; funds are released to the named beneficiary
- For joint accounts with right of survivorship: provide death certificate and surviving owner ID; the account continues under the surviving owner
- For accounts without beneficiary or joint ownership: provide Letters Testamentary or Letters of Administration from the probate court
- For trust accounts: provide death certificate, successor trustee documentation, and updated trust certification
- For IRA accounts: provide death certificate, beneficiary ID, and complete the appropriate IRA distribution or inherited IRA paperwork
4
Submit all documentation to your local branch or mail to P.O. Box 709, Tupelo, MS 38802
5
Renasant 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.
1
Notify Renasant Bank of the borrower's death:
- Call Renasant Mortgage Servicing at 877-492-3248
- Provide the deceased borrower's full legal name, Social Security number, and mortgage loan number
- Submit a certified copy of the death certificate
2
Complete the Successor in Interest process:
- Request the Successor in Interest documentation package from the mortgage servicing 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)
- Renasant will review your documentation and confirm your status as a Successor in Interest under CFPB mortgage servicing rules
3
Once confirmed, discuss your options:
- Continue making payments
- Apply for loss mitigation
- Assume the loan
- Refinance
- Pay off the balance
4
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), 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.
Expected timelines at Renasant Bank: 5-10 business days for standard claims after all documents are received. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
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.
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 Apr 2026
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