What to do when a WesBanco account holder dies
Contact WesBanco's Trust and Investment Services — 9-step process, 8 required documents, and 5-10 business days for initial review after all documents are submitted
Phone1-800-905-9043
Toll-Free1-800-905-9043
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
Trust and Investment Services
Phone(304) 234-9000
Toll-Free1-800-905-9043
EmailWSI@WesBanco.com
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
WebsiteLearn more →
Phone1-800-905-9043
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
Verified Mar 2026
When a WesBanco 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 WesBanco's Trust and Investment Services (1-800-905-9043) 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 WesBanco. 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 WesBanco:
Filing a claim
1Contact WesBanco customer service at 1-800-905-9043 or visit a local branch to report the death of an account holder
2Provide the deceased account holder's name, account number(s), and date of death
3For accounts with POD beneficiary: provide a certified copy of the death certificate and valid government-issued ID for the beneficiary
4For joint accounts with right of survivorship: provide a certified copy of the death certificate; surviving owner retains account access
5For accounts without beneficiary: provide a certified copy of the death certificate, Letters Testamentary or Letters of Administration, and executor/administrator ID
6For trust accounts: provide death certificate, trust documentation, and successor trustee identification
7For IRA accounts: contact WesBanco Trust and Investment Services at (304) 234-9000 for distribution options and required forms
8Submit all documents in person at a branch or by mail
9WesBanco will review documentation and process the claim; additional documents may be requested
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant (beneficiary, executor, administrator, or successor trustee)
- Account information for the deceased (account numbers, account type)
- For estate accounts without beneficiary: Letters Testamentary or Letters of Administration from the probate court
- For small estates: Small Estate Affidavit (state-specific requirements apply)
- For trust accounts: trust agreement or Certification of Trust, successor trustee provisions, and amendments
- For IRA accounts: IRA distribution request forms (available from WesBanco Trust and Investment Services)
- Written instructions regarding distribution preference (new account, transfer, or check)
For IRA and trust-related death claims, contact WesBanco Trust and Investment Services directly at (304) 234-9000. Distribution options typically include opening a new WesBanco account, transferring to an existing account, or receiving a check. POD accounts generally process faster than accounts requiring probate. Visit a branch for the most efficient processing.
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 WesBanco of the borrower's death by calling customer service at 1-800-905-9043 (option 2, then option 5 for loan servicing)
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Request Successor in Interest documentation from WesBanco's loan operations department
5Complete and return the Successor in Interest form with documentation proving your ownership interest in the property (e.g., probated will, court order, deed, or trust document)
6WesBanco 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
- Completed Successor in Interest form
- Documentation proving ownership interest in the property (one or more of the following): probated will naming you as heir, court order of succession, recorded deed transferring ownership, trust document showing you as successor trustee or beneficiary
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), WesBanco 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. Loan Operations Customer Service can also be reached at 1-800-905-9043 extension 11350. Mortgage payments can be mailed to P.O. Box 67019, Newark, NJ 07101-8080.
Processing timelines at WesBanco: 5-10 business days for initial review after all documents are submitted. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
WesBanco requires several documents to process a claim, including Certified copy of the death certificate, Valid government-issued photo ID for the claimant (beneficiary, executor, administrator, or successor trustee), and Account information for the deceased (account numbers, account type), 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 WesBanco banking location with a valid government-issued photo ID to add a Payable on Death (POD) beneficiary to your deposit accounts. You can also call 1-800-905-9043 to request a beneficiary designation form by mail. Online beneficiary designation is not currently available for deposit accounts. Provide each beneficiary's full legal name, date of birth, Social Security number, and relationship.
Call WesBanco customer service at 1-800-905-9043 or visit any banking location. You will need to provide the deceased account holder's name, account number(s), and a certified copy of the death certificate. The bank will guide you through additional documentation requirements based on the type of account and your relationship to the deceased.
WesBanco typically completes an initial review within 5 to 10 business days after receiving all required documentation. Processing time varies depending on account type, completeness of submitted documents, and whether probate is required. POD accounts with proper documentation generally process faster than accounts requiring probate.
WesBanco's Trust and Investment Services can be reached by phone at 1-800-905-9043 for questions throughout the claims process.
If the deceased held multiple WesBanco accounts, each may require a separate claim or have different documentation requirements. The Trust and Investment Services can confirm which accounts require individual attention and which can be processed together.
Phone1-800-905-9043
Toll-Free1-800-905-9043
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
Trust and Investment Services
Phone(304) 234-9000
Toll-Free1-800-905-9043
EmailWSI@WesBanco.com
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
WebsiteLearn more →
Phone1-800-905-9043
Mailing Address
WesBanco Bank, Inc., 1 Bank Plaza, Wheeling, WV 26003
Verified Mar 2026
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