The Estate Desk

Last verified 2026-08-25; facts checked against the primary sources below

Citi deceased account: Estate Servicing phone number and steps

Last verified: August 25, 2026

The short answer: Call Citi's Estate Servicing Unit at 1-833-956-0413 for U.S. credit cards and bank accounts. Citi publishes separate numbers for mortgages, bank IRAs, personal loans, and wealth-management accounts. Be ready with the death certificate and the document showing who may act, such as court-issued Letters or trust documentation. The exact settlement path depends on the product and how the account was owned.

Citi estate contacts at a glance

Product Citi contact Published hours
Credit cards and bank accounts 1-833-956-0413, Estate Servicing Unit Mon–Fri, 8 a.m.–9 p.m. ET
Mortgage or home equity 1-866-523-6781 Mon–Fri, 8:30 a.m.–8 p.m.; Sat, 8:30 a.m.–5 p.m. ET
Bank IRA 1-800-695-5911 Mon–Fri, 8 a.m.–10 p.m.; Sat, 9 a.m.–5:30 p.m. ET
Personal loan or line of credit 1-800-685-0935 Mon–Sat, 8:30 a.m.–5 p.m. ET
Citi Wealth Management 1-800-846-5200 24 hours a day

These numbers come from Citi's current guide for families after a death. Start with the team for the actual product rather than assuming one estate unit handles every Citi relationship.

How do you notify Citi when an account holder dies?

Call the appropriate Citi team and ask it to open the deceased-customer case. Have the person's full legal name, date of birth, date of death, Social Security number, and known account numbers available. Ask where to send the death certificate and authority documents securely; do not send sensitive records to an address that Citi has not confirmed for the case.

Citi says a bank may request both a death certificate and evidence of authority, such as Letters Testamentary or a trust document. A card issuer may also require a death certificate before canceling the account.

What happens to a Citi bank account after notification?

Account ownership controls the next step:

Account type Likely settlement question
Joint account Whether the surviving owner retains access and what retitling documents Citi requires
Payable-on-death account How the named beneficiary proves identity and claims the balance
Trust account What trustee certification or trust documentation Citi requires
Solely owned account Whether Citi requires court-issued Letters or accepts a state small-estate procedure

Do not keep using the deceased customer's online credentials. Preserve recent statements first, then let Citi explain how it will restrict, retitle, or close each account.

What is required to open a Citi estate account?

Citi's Consumer Deposit Account Agreement defines an estate account as one held by a court-appointed executor, administrator, or personal representative. It says the estate needs its own taxpayer identification number from the IRS. Ask a branch which appointment papers, identification, opening deposit, and tax forms are required before visiting.

What should happen to government deposits and automatic payments?

Identify Social Security and other federal payments received after death because the paying agency may reclaim them. Also inventory scheduled payments before the account is restricted. Canceling every debit immediately can create problems if insurance, property, storage, utilities, or other protective services still need to continue.

Citi product teams and document requirements can change. Confirm the secure delivery instructions with the assigned estate representative before sending records.

Primary sources