What to do when a TD Bank account holder dies
Contact TD Bank's One TD Estates Centre — 3-step process, 8 required documents, and varies by account type, state law, and documentation completeness
Phone1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage
Home Equity
TD Wealth
Cross-Border Banking
Credit Cards
WebsiteLearn more→
One TD Estates Centre
Phone1-866-235-1974
Death Claims
Phone1-888-751-9000
Toll-Free1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage Death Claims
Home Equity Death Claims
One TD Estates Centre
Verified Apr 2026
When a TD 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 TD Bank's One TD Estates Centre (1-888-751-9000) to access and distribute the funds.
To start, call TD Bank at 1-888-751-9000. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Deposit, investment & retirement accounts
The death claim process at TD Bank works as follows:
Filing a claim
1
Notify TD Bank and submit the death certificate:
- Contact TD Bank customer service at 1-888-751-9000 (available 24/7) or visit a local branch
- Provide the deceased's name, address, date of birth, and account information if known
- Submit an original certified death certificate (photocopies and forms 15/16 are not accepted)
- TD Bank will freeze the deceased's sole-owned accounts to prevent further transactions
2
Complete the initial branch appointment:
- Allocate at least one hour for the first in-person appointment at a branch
- During the appointment, TD Bank reviews the death certificate and will, opens a file, and connects you with an estates representative
- Submit additional required documents based on state law and account type
3
Provide account-specific documentation for distribution:
- For POD accounts: provide beneficiary identification for direct transfer outside probate
- For joint accounts with right of survivorship: provide surviving owner identification for account retitling
- For probate accounts: provide Letters Testamentary or Letters of Administration from the court
- TD Bank processes distribution per beneficiary designations or probate court order
Required Documents
- Original certified death certificate (forms 15 and 16 cannot be used)
- Government-issued photo ID for claimant/beneficiary
- Original or notarized copy of the will (if available)
- Letters Testamentary or Letters of Administration (if probate required)
- Small Estate Affidavit (if estate qualifies under state law)
- Trust documents (if trust is a beneficiary or account owner)
- Affidavit of domicile (if required for property transfers)
- State tax waiver (if required by state law)
Required documents depend on the laws of the state where the decedent resided (not where the account was opened), your relationship to the decedent, and the type of accounts held at TD Bank. Call customer service at 1-888-751-9000 to get a specific list of required documents for your situation. For complex estates, contact the One TD Estates Centre at 1-866-235-1974. TD Bank does not currently offer online death notification. Joint accounts with right of survivorship pass directly to the surviving owner without probate.
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
Gather documentation and notify TD Bank Mortgage:
- Gather the certified death certificate and any documents establishing your legal interest in the property (will, trust agreement, deed, or court appointment as executor/administrator)
- Call TD Bank Mortgage at 1-866-325-4516 to report the death of the borrower and request guidance on next steps
- TD Bank will advise on your role: surviving co-borrower, successor in interest (heir), fiduciary (executor/administrator), or successor trustee
2
Submit documents and establish your successor status:
- Submit required documents to TD Bank by mail or as directed by the mortgage representative
- Once TD Bank verifies your documentation and confirms your status as a successor in interest or fiduciary, you will receive access to loan information and statements
3
Determine the path forward for the mortgage:
- Discuss options with TD Bank: continue making payments on the existing loan, apply for a loan assumption, refinance in your own name, or pay off the loan
- If you wish to assume the loan, complete the assumption application as directed by TD Bank
- Continue making regular mortgage payments during the process to avoid delinquency
Required Documents
- Certified death certificate (original certified copy required; forms 15 and 16 are not accepted)
- Government-issued photo ID for the claimant
- Proof of legal interest in the property (deed, will, trust agreement, or court order)
- Letters Testamentary or Letters of Administration (if court-appointed executor/administrator)
- Trust agreement and trustee identification (if property held in trust)
- Small Estate Affidavit (if estate qualifies under state law)
- Affidavit of domicile (if required for property transfers)
Under the federal Garn-St. Germain Depository Institutions Act of 1982 (12 U.S.C. 1701j-3), TD Bank cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, or relative of the deceased borrower, or to the borrower's revocable living trust. Heirs who inherit the property are not required to assume the loan or qualify for credit to continue making payments. TD Bank must identify and communicate with confirmed successors in interest per CFPB Regulation X (12 C.F.R. 1024.31) and provide them with information about the loan and available loss mitigation options. For mortgage assistance or hardship-related inquiries, call 1-800-742-2651. For general customer service, call 1-888-751-9000 (available 24/7).
Processing timelines at TD Bank: Varies by account type, state law, and documentation completeness. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
TD Bank requires several documents to process a claim, including Original certified death certificate (forms 15 and 16 cannot be used), Government-issued photo ID for claimant/beneficiary, and Original or notarized copy of the will (if available), 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
Call TD Bank customer service at 1-888-751-9000 (available 24/7) or visit a local branch with the original certified death certificate and government-issued ID. Allocate at least one hour for the first in-person appointment. For complex estates, contact the One TD Estates Centre at 1-866-235-1974. For mortgage-related death claims, call 1-866-325-4516. For home equity claims, call 1-800-815-6849.
No. TD Bank does not currently support adding Payable on Death (POD) beneficiary designations online. You must visit a TD Bank branch during lobby hours with government-issued photo ID or call customer service at 1-888-751-9000 to initiate the process. A trust can be named as a POD beneficiary by providing the trust name, date, and EIN.
TD Bank's Death Claims can be reached by phone at 1-888-751-9000 for questions throughout the claims process.
If the deceased held multiple TD Bank accounts, each may require a separate claim or have different documentation requirements. The One TD Estates Centre can confirm which accounts require individual attention and which can be processed together.
Phone1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage
Home Equity
TD Wealth
Cross-Border Banking
Credit Cards
WebsiteLearn more→
One TD Estates Centre
Phone1-866-235-1974
Death Claims
Phone1-888-751-9000
Toll-Free1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage Death Claims
Home Equity Death Claims
One TD Estates Centre
Verified Apr 2026
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