What to do when a Trustmark account holder dies
Report the death to Trustmark at 1-800-243-2524
Trustmark operates under a new nameRebranded, effective August 2025
Trustmark National Bank converted from a national bank charter to a state bank charter and changed its legal name to Trustmark Bank on August 4, 2025. It is the same bank under the same FDIC certificate (4988). Some pages on trustmark.com still carry the former name.
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 Investment and Trust Services to access and distribute the funds.
Before contacting Trustmark, have the account holder's full name, date of birth, and any available account numbers ready.
Deposit, investment & retirement accounts
The death claim process at Trustmark works as follows:
Filing a claim
- Call the Customer Contact Center at 1-800-243-2524, or 601-961-6000 in the Jackson, Mississippi area, or visit a Trustmark branch
- Ask which documents Trustmark requires for each of the decedent's accounts
- Trustmark's Electronic Fund Transfer Disclosure (Rev. 7/2025) requires a stop-payment request at least 3 business days before a scheduled preauthorized payment
- Call 1-800-243-2524, 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
- If you place the order by phone, Trustmark may require it in writing at that address within 14 days of the call
- Each stop payment order costs $36.00 under the Miscellaneous Service Fee Schedule
Required Documents
- Written confirmation of a stop-payment order placed by phone, if Trustmark asks for itDue within 14 days of the call.
- The exact dollar amount, the name of the payee, and the check number, if any, to stop a converted check or other one-time electronic transfer
State law on paying a balance without letters4 states
- Florida
Permits a bank to pay up to $2,000 on an affidavitFla. Stat. § 735.303Verified Oct 3, 2026View source
- Mississippi
Permits a bank to pay up to $12,500 on a signed receipt or releaseMiss. Code Ann. § 81-5-63Verified Oct 3, 2026View source
- Tennessee
Permits a bank to pay up to $15,000 on proof the institution acceptsT.C.A. § 45-2-708Verified Oct 3, 2026View sourceT.C.A. § 45-2-708
Permits a bank to pay up to $10,000 on proof the institution acceptsT.C.A. § 30-2-103(b)(2)Verified Oct 3, 2026View sourceT.C.A. § 30-2-103(b)(2)
- Texas
Permits a bank to pay up to $5,000 on an order of the courtTex. Est. Code § 152.051Verified Oct 3, 2026View source
What Trustmark's agreement and guidance say2
- Dormant and unclaimed accounts
A $5.00 monthly dormant status fee applies after one year with no customer-initiated activity on a checking account, or two years on a savings or money market account.1
Not in Trustmark's published guidance1
- Deposit Account Agreement
Sources1
- 1.Miscellaneous Service Fee Schedule, Revised 04.20.26
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.
- Call the Mortgage Servicing Department at 1-800-844-2400
- Trustmark's mortgage assistance package for Fannie Mae and Freddie Mac loans tells anyone who acquired an ownership interest in the property through a death to contact Trustmark as soon as possible
- Ask Trustmark for its list of the documentation needed to confirm your identity and your ownership interest in the property
- Write to Trustmark Mortgage Servicing, P.O. Box 153, Jackson, MS 39205-0153, the exclusive address for error notices and information requests
- Include the borrower name, the loan number or property address, and the information requested
- Trustmark usually acknowledges a request in writing within five business days
- Call 1-866-229-1656 for a review of mortgage assistance options; Trustmark states loss mitigation services are free
- The death of a borrower or of the primary or secondary wage earner is documented with a death certificate, or an obituary or newspaper article reporting the death
- Mail the completed Mortgage Assistance Package to Trustmark, Attn: Mortgage Loan Servicing, P.O. Box 522, Jackson, MS 39205-0522
- A mortgage assistance application may take up to 30 days to process
Required Documents
- Documentation confirming your identity and ownership interest in the propertyTrustmark provides the list on request.
- Death certificate, or an obituary or newspaper article reporting the death, for a mortgage assistance application based on a death
Claims Contact
Phone: 1-800-844-2400
Email: mortinfo@trustmark.com
Mailing address: Trustmark Mortgage Servicing, P.O. Box 153, Jackson, MS 39205-0153
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
What Trustmark provides to the estate1
- Payoff statement
Payoff requests go to payoffmtgrequest@trustmark.com or 1-800-844-2400 with the loan number and the payoff date needed.1, 2, 3
Sources3
Frequently asked questions
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.
Sources
Data sourced from Trustmark primary sources (31 pages reviewed). How we research.
Trustmark death claims support
Customer Contact Center
Phone
Toll-free
Jackson, MS area
Directory Assistance
Online and Mobile Banking Support
Mortgage Loan Support
Mailing address
Website
Death notifications go through general customer service.
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