What to do when a WesBanco account holder dies
Report the death to WesBanco's Customer Service at 1-800-905-9043
After an account holder at WesBanco 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 WesBanco's Customer Service at 1-800-905-9043 with the proper legal authority documents.
The first step is contacting WesBanco at 1-800-905-9043 with the account holder's full name, account numbers, and the death certificate in hand.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with WesBanco:
Filing a claim
Required Documents
- Written notice of the deathIn a form and manner acceptable to WesBanco, with enough information to identify the account.
- Satisfactory evidence as to the disposition of the account, for a joint account without survivorship
What happens to each kind of account4
- Joint account with survivorship
On the death of one party to a joint account with survivorship, all sums in the account belong to the surviving owners.1
- Joint account without survivorship
After written notice of an owner's death, WesBanco may freeze the account until it receives satisfactory evidence as to the disposition of the account.1
- Payable-on-death account
On an In Trust For or Payable on Death account, the beneficiaries may withdraw once all owners have died, if they are then living.1
- Certificate of deposit
WesBanco waives early withdrawal penalties due to death or disability.2
State law on paying a balance without letters4 states
- Kentucky
Directs a bank to pay up to $2,500 on an order of the courtKRS 391.030(2)Verified Oct 3, 2026View source
- Pennsylvania
Directs a bank to pay up to $20,000 on an affidavit20 Pa.C.S. § 3101(b)Verified 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)
- West Virginia
Permits a bank to pay up to $5,000 on an affidavitW. Va. Code § 44-1-28(c), (d)Verified Oct 3, 2026View source
What WesBanco's agreement and guidance say2
- Telling the institution
The Personal Deposit Account Agreement makes the customer responsible for notifying WesBanco of the death of an account holder. Notices must be in a form and manner acceptable to WesBanco, with enough information to identify the account.1
- Holds and legal process
Despite any notification to WesBanco, its Personal Deposit Account Agreement lets it pay the entire balance of a joint account to a creditor or other legal claimant under legal process.1
Not in WesBanco's published guidance1
- A procedure for reporting a death
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.
Required Documents
- The loan account number
Claims Contact
Phone: 1-800-905-9043 ext. 11350
Mailing address: WesBanco Bank Inc., Loan Operations-Department 3810, Customer Service Manager, 1 Bank Plaza, Wheeling, WV 26003
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 WesBanco provides to the estate1
- Payoff statement
WesBanco gives a loan payoff amount by phone: call the local banking center or Loan Operations Customer Service at 800-905-9043, extension 11350.1
Not in WesBanco's published guidance1
- A procedure for reporting a death
Sources1
Required Documents
- The line of credit account number
Claims Contact
Phone: 1-800-905-9043 ext. 11350
What happens to each kind of account1
What WesBanco provides to the estate1
- Payoff statement
WesBanco gives payoff amounts by phone: call 800-905-9043, extension 11350, or the local banking center.1, 2
Not in WesBanco's published guidance1
- A procedure for reporting a death
Sources2
WesBanco's Customer Service can be reached by phone at 1-800-905-9043 for questions throughout the claims process.
Sources
(2)·
Data sourced from WesBanco primary sources (31 pages reviewed). How we research.
WesBanco death claims support
Customer Service
Phone
Website
Estate planning articles
Learn how to protect your WesBanco accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
