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Prepare the letter of instruction First Horizon 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 First Horizon's estate/claims department: First Horizon Bank, Fulfillment Operations, 3451 Prescott, Memphis, TN 38118 (for the Verification of Account for an Estate form). You can reach the department at 1-800-382-5465.
First Horizon lists these among its required documents: Certified death certificate (original or certified copy); Government-issued ID for beneficiary, executor, or successor trustee; Letters Testamentary or Letters of Administration (if no POD or survivorship); Account information (statements, account numbers). The prepared letter includes an enclosure checklist drawn from First Horizon's recorded requirements.
Account verification for an estate is completed within 3-5 business days of receipt of the mailed form. POD accounts: typically 5-10 business days after documentation is complete. Estate accounts: varies based on probate requirements.
First Horizon provides its own letter-of-instruction/claim form. We prepare a transmittal cover letter and an enclosure checklist to accompany that form.
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.
