What to do when a Seacoast Bank account holder dies
Contact Seacoast Bank — 5-step process, 6 required documents, and pod beneficiary claims with complete documentation are typically processed within a few business days. probated estates depend on court timelines.
Phone1-800-706-9991
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
WebsiteLearn more→
Phone1-800-706-9991
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
WebsiteLearn more→
Death Claims
Phone1-800-706-9991
Toll-Free1-800-706-9991
Fax772-221-3029
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
Verified Jul 2026
After a Seacoast Bank account holder dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Seacoast Bank's Death Claims at 1-800-706-9991 with the proper legal authority documents.
The claim process can be initiated by phone at 1-800-706-9991 or by sending documentation to CustomerService@SeacoastBank.com. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at Seacoast Bank:
Filing a claim
1
Contact Seacoast Bank to notify them of the account holder's death by visiting a branch or calling customer service at 800-706-9991
2
Provide a certified copy of the death certificate and your government-issued photo ID
3
Provide additional documents based on account ownership type:
- POD beneficiary accounts: beneficiary presents a death certificate and valid ID to claim funds
- Trust-titled accounts: successor trustee presents the trust agreement, death certificate, and trustee identification
- Probate accounts: estate representative provides Letters Testamentary or Letters of Administration from the probate court
- Small estates under Florida law (Fla. Stat. 735.301): a Small Estate Affidavit or Summary Administration order may be accepted
4
Complete any required distribution or claim forms provided by the bank
5
Funds are distributed per the applicable designation, trust terms, or court order after document review
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration (if probate is required)
- Trust agreement (if account is held in trust)
- Small Estate Affidavit or Summary Administration order (if applicable under Florida law)
- POD beneficiary's identification (if account has a POD designation)
What to know at this institution
For accounts with POD beneficiaries, the named beneficiary can typically claim funds promptly with a death certificate and valid ID. For trust-titled accounts, the successor trustee named in the trust agreement takes control of the account. For accounts without POD or trust designation, probate or a small estate proceeding under Florida law is required. Seacoast Wealth Management also provides trust and estate settlement services for managed accounts. Contact your local Seacoast Bank branch or customer service for specific guidance on the documentation required for your situation.
Prepare your letter of instruction to Seacoast Bank
Seacoast Bank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Seacoast Bank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at Seacoast Bank: POD beneficiary claims with complete documentation are typically processed within a few business days. Probated estates depend on court timelines. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Seacoast Bank 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 is 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.
Frequently asked questions
Visit your nearest Seacoast Bank branch or call customer service at 800-706-9991 (Monday-Friday 7:00 AM - 10:00 PM ET, Saturday 8:30 AM - 5:00 PM ET). Bring or have available a certified copy of the death certificate, your government-issued ID, and the deceased's account information.
Seacoast Investment Services products are offered through LPL Financial, a registered broker-dealer and investment advisor separate from Seacoast Bank. Investment and brokerage accounts held through LPL Financial have their own beneficiary designation and estate claim processes. Contact your Seacoast Investment Services advisor directly for investment account estate matters.
Seacoast Bank's Death Claims can be reached by phone at 1-800-706-9991, email at CustomerService@SeacoastBank.com, and fax at 772-221-3029 for questions throughout the claims process.
Multiple Seacoast Bank accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Death Claims to confirm what applies.
Sources
Data sourced from Seacoast Bank primary sources (20 pages reviewed). How we research.
Phone1-800-706-9991
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
WebsiteLearn more→
Phone1-800-706-9991
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
WebsiteLearn more→
Death Claims
Phone1-800-706-9991
Toll-Free1-800-706-9991
Fax772-221-3029
Mailing Address
Seacoast National Bank, P.O. Box 9012, Stuart, FL 34995-9012
Verified Jul 2026
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