What to do when an Uplift Bank account holder dies
Report the death to Uplift Bank's Customer Care at 1-800-789-3428
When an account holder at Uplift Bank 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 Uplift Bank's Customer Care (1-800-789-3428) to access and distribute the funds.
To start, call Uplift Bank at 1-800-789-3428. Have the account holder's full name, account numbers, and the death certificate ready before you call.
Death claim process
Here is the step-by-step death claim process at Uplift Bank:
Filing a claim
What happens to each kind of account2
- Payable-on-death account
The bank says a checking or savings account with a named beneficiary goes directly to that beneficiary when the owner dies.1
- Certificate of deposit
An Uplift Bank certificate renews by itself on its maturity date for another term of the same length, with the interest added, unless the owner chose otherwise.2
Taking money from a certificate before maturity carries a penalty set by its term; the product page names no exception for an owner's death.3
State law on paying a balance without lettersMississippi, Texas
- Mississippi
Miss. Code Ann. § 81-5-63
Mississippi law permits a bank to pay from a deceased depositor's balance on a signed receipt or release, without letters testamentary or letters of administration.Miss. Code Ann. § 81-5-63Verified Oct 3, 2026View source
Limit: $12,500 held at the institution
Paid to: the decedent's spouse; the adult with whom any minor children of the decedent are residing (if there is no surviving spouse); any adult child of the decedent (if there is no surviving spouse or minor children); either parent of the decedent (if there is no surviving spouse or children); any adult sibling of the decedent (if there is no surviving spouse, children or parent) (in that order)
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
- Texas
Tex. Est. Code § 152.051
Texas law permits a bank to pay from a deceased depositor's balance on an order of the court, without letters testamentary or letters of administration.Tex. Est. Code § 152.051Verified Oct 3, 2026View source
Paid to: a funeral home or the applicant, for funeral and burial expenses
Limit: $5,000 in total from every holder
When: the application may be filed "not earlier than the third day after the date of the decedent's death and not later than nine months after the date of the decedent's death"
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
What Uplift Bank's agreement and guidance say5
- Online access
When a joint account has recently changed hands, the person now holding it calls Customer Care to sort out the online banking login.4
- Fees
The bank's fee schedule makes the first hour of research or account balancing free and charges $25 for each hour after that, and $2.50 for each copy of a statement.5
- Holds and legal process
A $150 legal fee applies when an account is garnished or levied.5
- Dormant and unclaimed accounts
A dormant checking account is charged $5 and a dormant savings account $10 each statement cycle, except where state law governs the account.5
- Accounts from a merged institution
Legacy Bank & Trust accounts became Uplift Bank accounts on October 26, 2026, keeping their account numbers.5
Not in Uplift Bank's published guidance13
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- A list of required documents
- Whether the death certificate must be certified
- Which court appointment document it accepts
- A mailing address for claim documents
- An online way to report a death
- How long a claim takes
- A small-estate procedure
- Terms in its agreements for a customer's death
- Payments after the death
- Debts owed to the institution
Sources5
- 1.Build Your Legacy with Uplift Bank (account beneficiaries)
- 2.Frequently Asked Questions
- 3.Certificate of Deposit
- 4.Contact
- 5.Legacy Bank & Trust Conversion Guide, fee schedule, rates as of 8/21/26; conversion on October 26, 2026
Uplift Bank's Customer Care can be reached by phone at 1-800-789-3428 for questions throughout the claims process.
Sources
(2)·
Data sourced from Uplift Bank primary sources (26 pages reviewed). How we research.
Uplift Bank death claims support
Customer Care
Estate planning articles
Learn how to protect your Uplift Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
