What to do when a Trustmark account holder dies
Contact Trustmark's Trustmark Wealth Management -- Investment and Trust Services — 5-step process, 8 required documents, and 5-10 business days after all documentation is received
Brand change
Trustmark National Bank changed its legal name to Trustmark Bank on August 4, 2025 and converted from a national charter to a Mississippi state charter (Federal Reserve member). It is the same bank under the same FDIC certificate (4988), with the same accounts, account numbers, and branches. Documents naming "Trustmark National Bank" remain valid; some pages on trustmark.com still carry the former name. Effective August 2025.
The procedures below reflect Trustmark's accounts. Account servicing may transfer as the change takes effect.
Customer Contact Center
Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291
Trustmark Wealth Management -- Investment and Trust Services
Trustmark Wealth Management, P.O. Box 291, Jackson, MS 39205-0291
Customer Contact Center (Trustmark has no separate estate-claims department; deceased-account matters are handled by the Contact Center and by branch staff)
Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291
When an account holder at Trustmark 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 Customer Contact Center (Trustmark has no separate estate-claims department; deceased-account matters are handled by the Contact Center and by branch staff) (1-800-243-2524) to access and distribute the funds.
Trustmark provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Deposit, investment & retirement accounts
The death claim process at Trustmark works as follows:
Filing a claim
- Contact Trustmark at 1-800-243-2524 or visit a branch to notify the bank of the account holder's death
- Provide a certified copy of the death certificate
- For accounts with POD beneficiary: beneficiary presents valid government-issued ID and death certificate to claim funds
- For joint accounts with right of survivorship: surviving owner presents death certificate to remove deceased owner
- For accounts without beneficiary or survivorship: executor or administrator presents Letters Testamentary or Letters of Administration along with death certificate
- For trust accounts: successor trustee presents death certificate, trust documentation showing successor trustee authority, and valid ID
- For IRA accounts: beneficiary presents death certificate, valid ID, and completes distribution or inherited IRA paperwork
- Trustmark's Electronic Fund Transfer Disclosure (Rev. 7/2025) requires notice at least 3 business days before a scheduled preauthorized payment in order to stop it
- Call 601-961-6000 in the Jackson, Mississippi area, or 1-800-CHECK-24 (1-800-243-2524) outside the Jackson area, or write to Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291
- If you place the stop order by phone, Trustmark may require you to put the request in writing to that address within 14 days of the call
- Trustmark charges a $36.00 stop payment fee per order (Miscellaneous Service Fee Schedule)
- Submit all required documents at a branch or by mail
- Trustmark will review documentation and process the claim
- Ask Trustmark to place a hold on the account so it does not go dormant: under the Miscellaneous Service Fee Schedule a $5.00 monthly dormant status fee is assessed after one year with no customer-initiated activity on a checking account, or two years on a savings or money market account
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
What to know at this institution
Trustmark does not publish a consumer Deposit Account Agreement online. The myTrustmark Agreement (https://www.trustmark.com/content/dam/trustmark/pdf/personal/banking/mytrustmark-agreement.pdf) lists the "Deposit Account Agreement(s)" among the documents that govern the account, alongside the signature card, fee schedule, Truth in Savings disclosures, Funds Availability Disclosure, and the Electronic Fund Transfer Agreement and Disclosure. The account-opening signature card and the Deposit Account Agreement are the documents that control what happens on the depositor's death, and they are provided at account opening -- request copies for the decedent's accounts when you notify the bank, because the POD and survivorship elections on the signature card determine who is paid without probate. Trustmark handles estate matters through branches and the Customer Contact Center rather than a dedicated estate-claims unit: notify at 1-800-243-2524 (1-800-CHECK-24) or 601-961-6000 in the Jackson, Mississippi area, or write to Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291. Retrieving statements or check images for an estate inventory or a probate accounting is billed as research at $30.00 per hour ($7.50 minimum, $7.50 per 15 minutes) under the Miscellaneous Service Fee Schedule. Tax levies against a decedent's account carry a $75.00 fee and garnishments vary per local statute. For Wealth Management trust accounts, use the advisor finder at https://www.trustmark.com/wealth or call 1-800-243-2524 and ask for the Wealth Management division. 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.
- Call Trustmark Mortgage Servicing at 1-866-229-1656
- Provide the deceased borrower's full legal name, Social Security number, and loan number
- Submit a certified copy of the death certificate
- Request to be recognized as a Successor in Interest under CFPB mortgage servicing rules
- Provide documentation proving your ownership interest in the property (e.g., probated will, court order, deed, trust document, or marriage certificate)
- Trustmark will review your documentation and confirm your status as a Successor in Interest
- Once 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
- Continue 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
What to know at this institution
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.
Prepare your letter of instruction to Trustmark
Trustmark accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Trustmark's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at Trustmark: 5-10 business days after all documentation is received. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
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
Trustmark's myTrustmark Agreement lists the "Deposit Account Agreement(s)" among the documents that govern a deposit account, but the bank does not post that agreement on trustmark.com -- it is delivered at account opening along with the signature card. Because the POD and joint-survivorship elections on the signature card are what determine who gets paid without probate, ask Trustmark for a copy of the signature card and the Deposit Account Agreement for each of the decedent's accounts when you notify the bank at 1-800-243-2524. Trustmark has no separate estate-claims department: notification, document review, and payout are handled by branch staff and the Customer Contact Center in Jackson, Mississippi.
Trustmark's Electronic Fund Transfer Disclosure (Rev. 7/2025) requires that a stop-payment order on a preauthorized (recurring) transfer reach the bank at least 3 business days before the payment is scheduled. Call 601-961-6000 in the Jackson, Mississippi area or 1-800-CHECK-24 (1-800-243-2524) elsewhere, or write to Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291. If you call, Trustmark may require the request in writing to that address within 14 days of the call. Each stop payment order costs $36.00 under Trustmark's Miscellaneous Service Fee Schedule.
Trustmark's Customer Contact Center (Trustmark has no separate estate-claims department; deceased-account matters are handled by the Contact Center and by branch staff) 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 Customer Contact Center (Trustmark has no separate estate-claims department; deceased-account matters are handled by the Contact Center and by branch staff) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Trustmark primary sources (25 pages reviewed). How we research.
Customer Contact Center
Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291
Trustmark Wealth Management -- Investment and Trust Services
Trustmark Wealth Management, P.O. Box 291, Jackson, MS 39205-0291
Customer Contact Center (Trustmark has no separate estate-claims department; deceased-account matters are handled by the Contact Center and by branch staff)
Trustmark, Attn: Customer Contact Center, P.O. Box 291, Jackson, MS 39205-0291
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