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Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

Inherited accounts

Making financial decisions can be difficult, especially after you’ve lost a friend or family member. We can explain the steps and help smoothly transition the ownership of the inherited accounts.

We follow the same basic steps when transferring ownership of an account:

1. Obtain the death certificate
2. Verify the beneficiaries 
3. Decide on any transfer details
4. Complete the transfer 

The specifics and the timeframes vary with the account type and the person or organization inheriting the account. 

 

Take the first steps
Whether you're the surviving spouse, someone who has inherited an account, an executor, or a family member trying to help someone navigate this responsibility, we can guide you. 

Notify us

When a loved one passes, gather this information about the account owner and contact us:
- Social Security Number
- Birthdate
- Date of death
We will keep the account safe while the estate is settled.


Call: 800-858-0387, select option 1
- Monday - Friday, 9 a.m. - 5 p.m. ET

Send the death certificate by:
- Mail: PO Box 2760 Omaha, NE 68103-2760
- Fax: 866-468-6268
- Secure Message Center: After you log in.

Individual accounts

Spouse

Family member, friend, or other

Executor or administrator

Joint accounts

Surviving joint account owner

Family member, friend, or other

Executor or administrator

Retirement accounts

Spouse (date of death on or before 12/31/2019)

Spouse (date of death on or after 1/1/2020)

Family member, friend, or other (date of death on or before 12/31/2019)

Family member, friend, or other (date of death on or after 1/1/2020)

Executor or administrator

Other accounts

Call for assistance with other types of accounts, including:

- Estate accounts

- Foreign accounts

- Guardian/conservatorship account

- Minor accounts

- Qualified retirement plans (including 401(k) and profit-sharing plans)

- Trust accounts

- Corporate accounts

Common terms

Beneficiary: One who receives the proceeds of a trust, retirement plan, or life insurance policy.

Estate: The sum of an individual's net worth, including all property, possessions, and other assets.

Executor: A person appointed in a will to carry out the will’s provisions. Also called executrix, personal representative, or administrator.

Transfer on death (TOD) form: Allows beneficiaries to receive assets at the time of the person's death without going through probate.

After the transfer is completed

Deciding what to do with an account can seem complicated and raises many questions. We offer various resources to help you with your plans.
  • Interactive courses and webcasts
  • Free, powerful trading platforms
  • Dependable, professional service

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

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