What to do when a Texas Capital account holder dies
Contact Texas Capital's Texas Capital Private Bank (trustee, executor, and estate settlement services) — 4-step process, 8 required documents, and texas capital bank publishes no settlement timeline. it may hold funds until it verifies the identity of the successor, and until it receives written notice it may keep honoring the decedent's items. pod and survivorship accounts settle on document review; probate-dependent accounts follow the court's timeline.
Client Support Center
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Dr, Tower A, Ste 700, Richardson, TX 75082 (correspondence) / Texas Capital Bank, Attn: Financial Center, 5800 Granite Pkwy, Ste 150, Plano, TX 75024 (deposits)
Texas Capital Private Bank (trustee, executor, and estate settlement services)
Client Support (deceased account notification; written confirmation to Consumer Operations)
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082
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 (deceased account notification; written confirmation to Consumer Operations) (1-877-839-2265) to access and distribute the funds.
Texas Capital offers an online claims portal that makes the initial filing process more straightforward. Survivors can also initiate claims by phone or by mailing documentation directly.
Death claim process
Follow these steps to file a death claim with Texas Capital:
Filing a claim
- Call Client Support at 1-877-839-2265 (Monday-Friday 7 a.m. to 6 p.m., Saturday 9 a.m. to 4 p.m. CT), or send a secure message in Online Banking, or email clientsupport@texascapitalbank.com
- The Terms and Disclosures (rev. 4/2026, "Notifying Us of Death or Incompetence") require the phone/online/email notice to be FOLLOWED BY WRITTEN CONFIRMATION - mail it to Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082, or fax 1-877-839-2738
- Provide the deceased account holder's name, account number, and Social Security number
- The bank may, but is not required to, continue honoring the decedent's checks, items, and instructions until it receives written notification
- It may pay checks drawn on or before the date of death unless a person with authority places a stop payment - an executor who wants outstanding checks stopped must place the stop payment, not just report the death
- It may place a hold on the account, refuse deposits or withdrawals, and hold funds until it verifies the identity of the successor
- Single-Party with Payable on Death: ownership passes to the POD beneficiaries; the account is not part of the estate
- Multiple-Party with Right of Survivorship (with or without POD): the surviving parties take; where POD is also elected, the POD beneficiaries take on the death of the last surviving party
- Multiple-Party without Right of Survivorship: the deceased party's share passes through their will or by intestacy
- Single-Party without POD: the account passes through the estate - the executor or administrator provides Letters Testamentary or Letters of Administration, or a Texas Estates Code Chapter 205 small estate affidavit where the estate qualifies
- Convenience Account: a convenience signer has no beneficial interest; the account passes through the last surviving party's estate, and the bank may pay a convenience signer until it receives notice of the death
- Trust Account: the beneficiary takes on the death of the last surviving trustee; the bank may require a successor fiduciary to deliver an affidavit of succession or similar certification
- Submit the certified death certificate, the claimant's government-issued ID, and the authority document for the account type
- Any pledge of the account must first be satisfied before a joint survivor's, POD beneficiary's, or trust beneficiary's rights become effective, and a POD beneficiary's interest is junior to the bank's security interest and right of setoff
- For CDs: the early withdrawal penalty may be waived on the death of an owner, and requests to close or withdraw must be made in writing or in person at a banking center; check disbursements process within three business days and are mailed to the address on file
- Investment or brokerage accounts are held at the bank's affiliates (Texas Capital Bank Private Wealth Advisors and TCBI Securities, Inc.), not at the bank - claim those through the Private Client Advisor
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 a trust)
- Affidavit of succession or similar certification, if the bank requires it of a successor fiduciary
- Small Estate Affidavit (if applicable under Texas law -- Texas Estates Code Ch. 205)
- Proof of relationship to the deceased
- Written confirmation of the death (required by the Terms and Disclosures after phone, email, or Online Banking notice)
What to know at this institution
Texas Capital Bank publishes no dedicated deceased-account or estate-services page and no named death-claim form for consumer accounts. The controlling document is the Personal & Small Business Banking Terms and Disclosures (rev. 4/2026), whose "Notifying Us of Death or Incompetence" clause and Texas account-ownership descriptions drive the process above. There is one claims path for consumer deposits (Client Support, 1-877-839-2265) and a separate one for wealth clients: Texas Capital Private Bank offers estate settlement and serves as executor, co-executor, or agency for executor, coordinated by a Private Client Advisor. Bask Bank accounts are the same bank but a separate online division with its own support channel.
Prepare your letter of instruction to Texas Capital
Texas Capital accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Texas Capital's verified claims department, with the documents it requires enclosed.
Build your letter of instructionOpening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
How to open an estate account at Texas Capital →How long the process takes at Texas Capital: Texas Capital Bank publishes no settlement timeline. It may hold funds until it verifies the identity of the successor, and until it receives written notice it may keep honoring the decedent's items. POD and survivorship accounts settle on document review; probate-dependent accounts follow the court's timeline. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Texas Capital includes Certified copy of the death certificate, Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration (if probate is required), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
No. The Terms and Disclosures (rev. 4/2026) require you to call 1-877-839-2265, message the bank in Online Banking, or email clientsupport@texascapitalbank.com, and then follow up with WRITTEN confirmation, mailed to Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082 (fax 1-877-839-2738). Until it has 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.
Call Client Support at 1-877-839-2265 (Monday through Friday 7 a.m. to 6 p.m., Saturday 9 a.m. to 4 p.m. CT), give the decedent's name, account number, and Social Security number, and confirm in writing. You will need a certified copy of the death certificate, government-issued photo ID for the claimant, and the authority document for how the account was titled: nothing further for a Payable on Death or survivorship account, Letters Testamentary or Letters of Administration for an account with no POD or survivorship election, or the trust agreement (and possibly an affidavit of succession) for a trust account. For estates qualifying under Texas Estates Code Chapter 205, a Small Estate Affidavit may substitute for probate letters. The bank may hold funds until it verifies the successor's identity.
Texas Capital's Client Support (deceased account notification; written confirmation to Consumer Operations) 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.
If the deceased held multiple Texas Capital accounts, each may require a separate claim or have different documentation requirements. The Client Support (deceased account notification; written confirmation to Consumer Operations) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Texas Capital primary sources (15 pages reviewed). How we research.
Client Support Center
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Dr, Tower A, Ste 700, Richardson, TX 75082 (correspondence) / Texas Capital Bank, Attn: Financial Center, 5800 Granite Pkwy, Ste 150, Plano, TX 75024 (deposits)
Texas Capital Private Bank (trustee, executor, and estate settlement services)
Client Support (deceased account notification; written confirmation to Consumer Operations)
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082
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