What to do when a Addition Financial account holder dies
Contact Addition Financial — 4-step process, 5 required documents, and 30-90 days depending on account structure and estate complexity
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Apr 2026
The Member Services at Addition Financial coordinates account transitions after a member's death. How each account is handled depends on its setup: POD and trust accounts transfer automatically, while solely-owned accounts typically require court authorization through Letters Testamentary or Letters of Administration.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Addition Financial. A certified death certificate is the primary document required to start any claim.
Death claim process
Follow these steps to file a death claim with Addition Financial:
Filing a claim
1
Contact Addition Financial at 407-896-9411 or 800-771-9411, or visit any branch location to notify the credit union of the member's death
2
Submit a certified copy of the death certificate with the raised seal; individual accounts are restricted upon notification
3
Settlement depends on the account structure:
- POD beneficiary: beneficiary provides government-issued ID and death certificate to claim funds
- Joint account with right of survivorship: surviving owner retains full access to funds
- No beneficiary or surviving joint owner: funds become part of the estate and go through probate
4
For probate estates, provide legal authority:
- Letters Testamentary or Letters of Administration issued by a Florida probate court
- Small Estate Affidavit may be accepted if the estate qualifies under Florida Probate Code
- Power of Attorney becomes void at death and cannot be used to settle accounts
Required Documents
- Certified copy of death certificate with raised seal
- Government-issued photo ID for beneficiary, joint owner, or personal representative
- Letters Testamentary or Letters of Administration (if no POD beneficiary; issued by probate court)
- Small Estate Affidavit (if estate qualifies under Florida law)
- Trust documents (if trust is named as beneficiary)
Addition Financial requires a certified death certificate to begin the account settlement process. Federal benefit payments (Social Security, VA) received after death may be returned to the government. Contact the credit union as soon as possible to begin the process and prevent complications.
Expected timelines at Addition Financial: 30-90 days depending on account structure and estate complexity. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Addition Financial includes Certified copy of death certificate with raised seal, Government-issued photo ID for beneficiary, joint owner, or personal representative, and Letters Testamentary or Letters of Administration (if no POD beneficiary; issued by probate court), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Visit any Addition Financial branch with government-issued photo ID or call 407-896-9411 (800-771-9411). You can add Payable on Death (POD) beneficiaries to deposit accounts including checking, savings, money market, and share certificates. Provide the beneficiary's full name, date of birth, Social Security number, and relationship, along with percentage allocations for multiple beneficiaries. The Membership Account Application (Account Card) form is available at additionfi.com/forms.
Yes. Addition Financial offers a Health Savings Account (HSA) for savings with dividends paid on daily balances of $50 or more, as well as a Health Savings Account Checking for managing qualified medical expenses with no monthly service fee. Both require a qualifying high-deductible health plan. You cannot be enrolled in Medicare or claimed as a dependent on another tax return.
Account settlement depends on the account structure. Accounts with a Payable on Death (POD) beneficiary pass directly to the named beneficiary outside of probate. Joint accounts with right of survivorship pass to the surviving owner. Single-party accounts without a POD designation become part of the estate and go through probate. Contact Addition Financial at 407-896-9411 or 800-771-9411 as soon as possible to begin the settlement process. A certified copy of the death certificate with raised seal is required.
Addition Financial's Member Services can be reached by phone at 1-800-771-9411 and fax at 1-407-333-7920 for questions throughout the claims process.
Multiple Addition Financial accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Member Services to confirm what applies.
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Apr 2026
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