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Prepare the letter of instruction Bank OZK requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
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Which institution holds the account, and the capacity you are writing in.
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Send it to Bank OZK's estate/claims department: Bank OZK, P.O. Box 8811, Little Rock, AR 72231. You can reach the department at 1-800-274-4482.
Bank OZK's recorded process does not require the letter itself to be notarized. Some enclosed documents (such as a small estate affidavit) may still need notarization.
Bank OZK lists these among its required documents: Certified copy of the death certificate; Government-issued photo ID for the claimant (driver's license, passport, or state-issued ID); Letters Testamentary or Letters of Administration (if probate required); Small estate affidavit (if the estate qualifies under the applicable state law; Arkansas: Ark. Code Ann. 28-41-101, $100,000 cap and 45-day wait). The prepared letter includes an enclosure checklist drawn from Bank OZK's recorded requirements.
Varies based on account type and documentation. POD accounts with proper documentation may be processed within days. Probated estates depend on court timelines.
Bank OZK accepts a letter you write. We draft it for you, addressed to Bank OZK's verified claims department with the required enclosures.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
