What to do when a Trustmark account holder dies
Contact Trustmark — 9-step process, 8 required documents, and 5-10 business days after all documentation is received
Phone1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark, P.O. Box 291, Jackson, MS 39205
WebsiteLearn more →
Phone1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark, P.O. Box 291, Jackson, MS 39205
WebsiteLearn more →
Death Claims
Phone1-800-243-2524
Toll-Free1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark National Bank, P.O. Box 291, Jackson, MS 39205
Verified Feb 2026
When a Trustmark 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 Trustmark's Death Claims (1-800-243-2524) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Trustmark. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Trustmark:
Filing a claim
1Contact Trustmark at 1-800-243-2524 or visit a branch to notify the bank of the account holder's death
2Provide a certified copy of the death certificate
3For accounts with POD beneficiary: beneficiary presents valid government-issued ID and death certificate to claim funds
4For joint accounts with right of survivorship: surviving owner presents death certificate to remove deceased owner
5For accounts without beneficiary or survivorship: executor or administrator presents Letters Testamentary or Letters of Administration along with death certificate
6For trust accounts: successor trustee presents death certificate, trust documentation showing successor trustee authority, and valid ID
7For IRA accounts: beneficiary presents death certificate, valid ID, and completes distribution or inherited IRA paperwork
8Submit all required documents at a branch or by mail
9Trustmark will review documentation and process the claim
Required Documents
- Certified copy of the death certificate
- Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee)
- Account information for the deceased (account number, full name)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from probate court
- For small estates: Small Estate Affidavit (if applicable under state law)
- For trust accounts: trust documentation showing successor trustee authority, successor trustee ID, and any amendments
- For IRA accounts: beneficiary designation verification, distribution election form, and inherited IRA application if applicable
- Written instructions regarding desired distribution method
It is recommended to visit a branch in person for death claim processing, as document verification and signing requirements are handled more efficiently. For Wealth Management trust accounts, contact the Wealth Management division directly at 1-800-844-2400. For mortgage-related death claims, contact Trustmark Mortgage Servicing at 1-866-229-1656. Distribution options may include check, transfer to an existing Trustmark account, or wire transfer.
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.
1Notify Trustmark Mortgage Servicing at 1-866-229-1656 of the borrower's death
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request to be recognized as a Successor in Interest under CFPB mortgage servicing rules
5Provide documentation proving your ownership interest in the property (e.g., probated will, court order, deed, trust document, or marriage certificate)
6Trustmark will review your documentation and confirm your status as a Successor in Interest
7Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
8Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property: probated will, court order, recorded deed, trust document, or marriage certificate
- Letters Testamentary or Letters of Administration (if going through probate)
- Loan number and borrower information
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. § 1701j-3), Trustmark cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules and are entitled to account information, loss mitigation options, and assumption rights. Error resolution and informational requests: Trustmark Mortgage Servicing, P.O. Box 153, Jackson, MS 39205-0153. General customer service: 1-800-243-2524.
Processing timelines at Trustmark: 5-10 business days after all documentation is received. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Trustmark requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued ID for the claimant (beneficiary, executor, or successor trustee), and Account information for the deceased (account number, full name), 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
Visit any Trustmark branch or call 1-800-243-2524 to request a POD (Payable on Death) beneficiary designation. You will need to provide the beneficiary's full legal name, date of birth, Social Security number, and relationship. POD beneficiaries can be added to checking, savings, money market, and CD accounts. Beneficiary changes typically require completing a paper form at a branch.
Contact Trustmark at 1-800-243-2524 or visit any branch location to notify the bank of the account holder's death. You will need a certified copy of the death certificate and valid government-issued identification. Additional documentation requirements depend on the account type and whether a POD beneficiary, joint owner, or executor is claiming the account.
Required documents vary by account type. For POD accounts: death certificate and beneficiary ID. For joint accounts: death certificate. For accounts without a beneficiary: death certificate, Letters Testamentary or Letters of Administration, and executor ID. For trust accounts: death certificate, trust documentation with successor trustee provisions, and successor trustee ID. For IRA accounts: death certificate, beneficiary ID, and distribution election forms.
Trustmark's Death Claims can be reached by phone at 1-800-243-2524 and email at askus@trustmark.com for questions throughout the claims process.
If the deceased held multiple Trustmark accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark, P.O. Box 291, Jackson, MS 39205
WebsiteLearn more →
Phone1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark, P.O. Box 291, Jackson, MS 39205
WebsiteLearn more →
Death Claims
Phone1-800-243-2524
Toll-Free1-800-243-2524
Emailaskus@trustmark.com
Mailing Address
Trustmark National Bank, P.O. Box 291, Jackson, MS 39205
Verified Feb 2026
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