What to do when a Truist account holder dies
Contact Truist — 4-step process, 7 required documents, and varies by account type and documentation completeness
Phone1-844-487-8478
Emailinfo@truist.com
Mailing Address
Truist, 214 N Tryon St, Charlotte, NC 28202
WebsiteLearn more→
Phone1-844-487-8478
Emailinfo@truist.com
Mailing Address
Truist, 214 N Tryon St, Charlotte, NC 28202
WebsiteLearn more→
Survivor Relations
Phone1-844-487-8478
Toll-Free1-844-487-8478
Fax877-589-0758
Mailing Address
Truist Bank, VA-RVW-5113, P.O. Box 26150, Richmond, VA 23260
Truist Wealth Premier Care
Truist Trade
Truist Invest
Truist Mortgage (Manage Existing)
Truist Mortgage (New/Inquiries)
Truist Marquee Support
Online/Mobile Banking Support
International
Verified Apr 2026
After a Truist 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 Truist's Survivor Relations at 1-844-487-8478 with the proper legal authority documents.
Claims can be filed by phone (1-844-487-8478) or by emailing documentation to SurvivorRelations@truist.com. Before reaching out, gather the account holder's full name, account numbers, and a certified death certificate.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Truist:
Filing a claim
1
Contact the appropriate Truist department to report the death
- Contact Truist at 1-844-487-8478 (844-4TRUIST) to report the death of an account holder
- For Truist Wealth accounts, call Premier Care at 1-877-892-9761
- For self-directed investment accounts, call Truist Trade at 1-800-694-4284
2
Provide account details and receive a case number
- Provide the deceased's full legal name and account information
- Truist will place holds on sole-owned accounts and assign a case number
3
Submit required documents based on account type
- Gather and submit required documents to Truist
- For POD/ITF accounts: provide beneficiary ID and certified death certificate
- For probate accounts: provide Letters Testamentary or Letters of Administration
- For trust accounts: provide trust documents and trustee identification
4
Await verification and claim processing
- Truist verifies documentation and processes the claim
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant or beneficiary
- Account information for the deceased
- Letters Testamentary or Letters of Administration (if probate required)
- Small Estate Affidavit (if estate qualifies under state law)
- Trust documents and trustee identification (if trust account or trust is beneficiary)
- Tax waiver (if required by state)
For Truist Wealth and investment accounts, contact Premier Care at 1-877-892-9761. For self-directed investment accounts, contact Truist Trade at 1-800-694-4284. International callers: +1-910-914-8250. Truist Wealth offers estate settlement services as corporate executor or co-executor, including asset collection, creditor notification, tax return filing, and asset distribution.
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 required documentation and contact Truist 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 Truist Mortgage at 855-257-4040 to report the death of the borrower and request guidance on next steps
2
Establish your role and submit documents to Truist Survivor Relations
- Truist will assign a case and advise on your role: surviving co-borrower, successor in interest (heir), fiduciary (executor/administrator), or successor trustee
- Submit required documents to Truist Survivor Relations by email at SurvivorRelations@truist.com, by fax at 877-589-0758, or by mail to Truist Bank, VA-RVW-5113, P.O. Box 26150, Richmond, VA 23260
- Once Truist verifies your documentation and confirms your status as a successor in interest or fiduciary, you will receive access to loan information and statements
3
Resolve the mortgage and maintain payments
- Discuss options with Truist: 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 provided by Truist
- Continue making regular mortgage payments during the process to avoid delinquency
Required Documents
- Certified death certificate
- 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)
- Completed Mortgage Assistance Application or successor in interest forms as directed by Truist
Under the federal Garn-St. Germain Depository Institutions Act of 1982 (12 U.S.C. 1701j-3), Truist 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. Truist 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 general mortgage inquiries, call 800-634-7928. To speak with a mortgage professional, call 855-445-0999. For mortgage assistance, call 800-443-1032.
How long the process takes at Truist: Varies by account type and documentation completeness. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Truist requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant or beneficiary, and Account information for the deceased, 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
POD (Payable on Death) and ITF (In Trust For) are similar designations on Truist deposit accounts that allow assets to pass directly to beneficiaries upon the death of the last surviving account owner, bypassing probate. During the owner's lifetime, the owner retains full control of the account including the ability to change beneficiaries at any time.
Yes. Truist Wealth offers corporate trustee and estate settlement services. Truist can serve as sole executor, co-executor alongside family members, or as an agent for executor handling administrative duties. Services include asset collection and safekeeping, creditor notification, final income and estate tax return filing, processing retirement plan and Social Security benefit claims, and asset distribution to beneficiaries.
Call Truist Mortgage at 855-257-4040 to report the death and request guidance. Submit documentation (certified death certificate, proof of legal interest in the property) to Truist Survivor Relations by email at SurvivorRelations@truist.com, by fax at 877-589-0758, or by mail to Truist Bank, VA-RVW-5113, P.O. Box 26150, Richmond, VA 23260. Truist will assign a case and confirm your status as a successor in interest or fiduciary before providing loan information and available options.
Truist's Survivor Relations can be reached by phone at 1-844-487-8478, email at SurvivorRelations@truist.com, and fax at 877-589-0758 for questions throughout the claims process.
Multiple Truist accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Survivor Relations to confirm what applies.
Phone1-844-487-8478
Emailinfo@truist.com
Mailing Address
Truist, 214 N Tryon St, Charlotte, NC 28202
WebsiteLearn more→
Phone1-844-487-8478
Emailinfo@truist.com
Mailing Address
Truist, 214 N Tryon St, Charlotte, NC 28202
WebsiteLearn more→
Survivor Relations
Phone1-844-487-8478
Toll-Free1-844-487-8478
Fax877-589-0758
Mailing Address
Truist Bank, VA-RVW-5113, P.O. Box 26150, Richmond, VA 23260
Truist Wealth Premier Care
Truist Trade
Truist Invest
Truist Mortgage (Manage Existing)
Truist Mortgage (New/Inquiries)
Truist Marquee Support
Online/Mobile Banking Support
International
Verified Apr 2026
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