What to do when a Texas Capital account holder dies
Report the death to Texas Capital's Client Support at 1-877-839-2265
When an account holder at Texas Capital 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 Texas Capital's Client Support (1-877-839-2265) to access and distribute the funds.
Claims can be filed by phone (1-877-839-2265) or by emailing documentation to clientsupport@texascapitalbank.com. Before reaching out, gather the account holder's full name, account numbers, and the death certificate.
Death claim process
Follow these steps to file a death claim with Texas Capital:
Filing a claim
Required Documents
- Written confirmation of the death, after notice by phone, Online Banking or emailMailed to Consumer Operations.
- Documents and authorizations establishing the fiduciary's authority, for fiduciary accounts, including estate accountsThe bank may require the documents and authorizations it deems necessary.
- Affidavit of succession or other document acceptable to the bank, if the bank requires it of a successor fiduciary
What happens to each kind of account7
- Account in one name
On a Single-Party account without Payable on Death, the deceased party's ownership passes as part of their estate under their will or by intestacy.1
- Joint account with survivorship
On a Multiple-Party account with Right of Survivorship, the deceased party's ownership passes to the surviving parties. Where Payable on Death is also designated, ownership passes to the payable on death beneficiaries on the death of the last surviving party.1
- Joint account without survivorship
On a Multiple-Party account without Right of Survivorship, the deceased party's ownership passes as part of their estate under their will or by intestacy.1
- Payable-on-death account
On a Single-Party account with Payable on Death, ownership passes to the payable on death beneficiaries. The account is not part of the owner's estate.1
On a Trust Account, ownership passes to the beneficiary on the death of the last surviving trustee.1
- Fiduciary account
For fiduciary accounts, including estate accounts and formal trust accounts, the bank may require the documents and authorizations it deems necessary to establish the fiduciary's authority. It may require a successor fiduciary to deliver an affidavit of succession or other document acceptable to the bank.1
- Convenience account
A convenience signer does not own the account. On the death of the last surviving party it passes as part of that party's estate, and the bank may pay a convenience signer before it receives notice of the death.1
- Certificate of deposit
The Terms say applicable law may permit or require waiver of the early withdrawal penalty on the death of an owner. A request to close or withdraw must be made in writing or in person at a banking center. Check requests are processed within three business days and mailed to the address on file.1
State law on paying a balance without lettersTexas
- 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.
Accounts handled elsewhere3
- Texas Capital Bank Private Wealth Advisors and TCBI Securities, Inc.
Investment advisory and securities brokerage accounts, which the bank itself does not hold1
- Texas Capital Private Bank
Estate settlement, and service as executor, co-executor or agency for executor, for wealth clients2
- Bask Bank
A division of Texas Capital Bank with its own website and support channel1
What Texas Capital's agreement and guidance say4
- Telling the institution
The Terms require "written confirmation" of a death. They say "any notice this Agreement requires you to provide us must be in writing and sent to the above mailing address", which is Consumer Operations.1
- What it does when notified
The bank may place a hold on the account, refuse to accept deposits or permit withdrawals, and hold any funds in the account until it verifies the identity of the successor.1
- Payments after the death
The bank may, but is not required to, continue honoring the deceased person's checks, items and instructions until it receives the written notification. It may pay checks drawn on or before the date of death unless stop payment orders are placed by one with authority to place them.1
- Debts owed to the institution
Any pledge of the account to which the bank has agreed must be satisfied before the rights of a joint survivor, a pay-on-death beneficiary or a trust account beneficiary become effective. A Payable on Death beneficiary's interest is junior to the bank's security interest and right of setoff.1
Not in Texas Capital's published guidance3
- How long a claim takes
- A claim form
- A small-estate procedure
Sources2
Frequently asked questions
No. The Terms and Disclosures (rev. 4/2026) require you to call 877.839.2265, notify the bank through Online Banking, or email clientsupport@texascapitalbank.com, followed by written confirmation mailed to Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082. Until it receives that written notice the bank may keep honoring the decedent's checks and instructions, and it may pay checks drawn on or before the date of death unless someone with authority places a stop payment order.
Call Client Support at 877.839.2265 (Monday through Friday 7 a.m. to 6 p.m., Saturday 9 a.m. to 4 p.m. CT), or notify the bank through Online Banking or by email, and follow up with written confirmation mailed to Consumer Operations. The bank publishes no document list for a death claim. How the account passes depends on the ownership type designated when it was opened: a Payable on Death account goes to its beneficiaries, a survivorship account to the surviving parties, and a single-party account without Payable on Death passes through the estate. For fiduciary accounts the bank may require whatever documents it deems necessary to establish authority, and it may hold funds until it verifies the identity of the successor. Separately, Texas Estates Code chapter 205 provides a small estate affidavit for intestate estates of $75,000 or less, excluding homestead and exempt property; the bank's terms do not mention it.
Texas Capital's Client Support can be reached by phone at 1-877-839-2265, email at clientsupport@texascapitalbank.com, and fax at 1-877-839-2738 for questions throughout the claims process.
Sources
Data sourced from Texas Capital primary sources (17 pages reviewed). How we research.
Texas Capital death claims support
Client Support (death notification; written confirmation to Consumer Operations)
Phone
Toll-free
Fax
Hours
Mailing address
Website
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