What to do when a America's CU account holder dies
Contact America's CU's Member Services — 9-step process, 7 required documents, and the deceased claims team reaches out within two business days of receiving notice to begin the process; total time varies with documentation and account type
America's Credit Union Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
Card Activation/PIN (US)
Card Activation/PIN (International)
WebsiteLearn more→
Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteLearn more→
Deceased Member Claims
Phone(214) 742-6551
Toll-Free(888) 742-6551
Fax(855) 674-1852
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteNotify online→
Verified Jul 2026
After a America's CU member dies, the Member Services manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
America's CU provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at America's CU:
Filing a claim
1
Notify America's Credit Union of the member's death:
- Call (214) 742-6551 or toll-free (888) 742-6551
- Or visit the nearest branch location
2
Provide a certified death certificate
3
Download and complete the Deceased Member Account Claim/Close Form (form 0336) from https://www.americascu.org/content/docs/DECEASED-MEMBER-ACCOUNT-CLAIM-CLOSE-FORM-0336-revApril-2026.pdf
4
The credit union will review the account and determine the settlement path:
- For POD accounts: named beneficiary provides death certificate and valid government-issued ID to claim funds
- For joint accounts with survivorship: ownership passes automatically to surviving owner(s)
- For non-POD individual accounts: executor provides Letters Testamentary or Letters of Independent Administration
- For IRA accounts: beneficiary provides death certificate and completes distribution paperwork
5
Submit the completed claim form and supporting documents in branch, by mail to PO Box 671149, Dallas, TX 75367, by email to deathclaims@americascu.org, or by fax to (855) 674-1852
6
Any outstanding debts the decedent owed to America's Credit Union must be paid in full before claimed funds are disbursed
7
Separately notify the paying federal agency (Social Security Administration, Department of Veterans Affairs, or the Office of Personnel Management for a Civil Service pension) of the death: America's Credit Union must return government direct deposits credited to the account after the date of death
8
America's Credit Union's Deceased Claims Team reaches out within two business days of receiving notice to review next steps
9
The credit union can establish an estate account if needed (requires death certificate, EIN for the estate, and Letters Testamentary or Letters of Independent Administration)
Required Documents
- Completed Deceased Member Account Claim/Close Form (form 0336)
- Certified death certificate
- Government-issued photo ID for beneficiary or authorized representative
- Letters Testamentary or Letters of Independent Administration (for probate estates)
- EIN for the estate (if establishing an estate account)
- Trust documentation (if account was held in trust)
- Small Estate Affidavit (if applicable under Texas Estates Code)
What to know at this institution
Deceased-member claim documents can be emailed to deathclaims@americascu.org or faxed to (855) 674-1852, in addition to branch or mail submission. Notify the paying federal agency of the death directly: America's Credit Union must return government direct deposits (Social Security, VA benefits, or a Civil Service pension) credited to the account after the date of death. The Deceased Member Account Claim/Close Form (form 0336) is available as a PDF on the Forms and Applications page. Under the account agreement printed on the form, America's Credit Union may honor transfer orders, withdrawals, deposits, and other transactions until it knows of an owner's death, and even with such knowledge may continue to pay checks, drafts, or other transfer orders authorized by the deceased owner for up to ten days after death unless a person claiming an interest instructs it to stop payment. The credit union may require anyone claiming funds of a deceased owner to indemnify it for any losses resulting from honoring that claim, and accounts of a deceased member must be closed promptly. Any outstanding debts the decedent owed to the credit union must be paid in full before claimed funds are disbursed. Additional documentation may be requested depending on the relationship with the deceased and the status of the estate.
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower’s revocable trust.
1
Notify America's Credit Union of the borrower's death:
- Call (214) 742-6551 or toll-free (888) 742-6551, or visit a branch
- Provide the deceased borrower's full legal name and loan number
2
Submit a certified copy of the death certificate
3
Establish your legal interest:
- Provide documentation proving your ownership interest: probated will, court order, recorded deed, or trust document naming you as successor trustee or beneficiary
- Letters Testamentary or Letters of Independent Administration if going through probate
4
Once confirmed, discuss options: continue making payments, apply for loan assumption, refinance, or pay off the balance
5
Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property (probated will, court order, recorded deed, or trust document)
- Letters Testamentary or Letters of Independent Administration (if going through probate)
- Marriage certificate (if surviving spouse)
What to know at this institution
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), America's CU cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust.
Processing timelines at America's CU: The Deceased Claims Team reaches out within two business days of receiving notice to begin the process; total time varies with documentation and account type. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
America's CU requires several documents to process a claim, including Completed Deceased Member Account Claim/Close Form (form 0336), Certified death certificate, and Government-issued photo ID for beneficiary or authorized representative, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Contact America's Credit Union at (214) 742-6551 or toll-free (888) 742-6551, or visit a branch to report the death. Complete the Deceased Member Account Claim/Close Form (form 0336) and submit it with a certified death certificate and valid photo ID in branch, by mail to PO Box 671149, Dallas, TX 75367, by email to deathclaims@americascu.org, or by fax to (855) 674-1852. For POD (Payable on Death) accounts, the named beneficiary claims funds by presenting the certified death certificate and ID. For joint accounts with right of survivorship, ownership passes automatically to the surviving owner. For accounts without a beneficiary or survivorship, the executor must provide Letters Testamentary or Letters of Independent Administration from a Texas probate court, or a Small Estate Affidavit if it qualifies under the Texas Estates Code. Any debts the decedent owed to the credit union must be paid in full before claimed funds are released. Notify the paying federal agency of the death separately: the credit union must return government direct deposits (Social Security, VA, or Civil Service pension) received after the date of death. The Deceased Claims Team reaches out within two business days of receiving notice.
Under the account agreement printed on the Deceased Member Account Claim/Close Form, America's Credit Union may honor transfer orders, withdrawals, deposits, and other transactions until it knows of an owner's death. Even after learning of the death, it may continue to pay checks, drafts, or other transfers the deceased owner authorized for up to ten days unless a person claiming an interest in the account instructs it in writing to stop payment. The credit union may also require anyone claiming a deceased owner's funds to indemnify it against losses from honoring the claim, and it requires accounts of a deceased member to be closed promptly. Notify the credit union promptly at (214) 742-6551 to stop payment on the decedent's items.
America's CU's Deceased Member Claims can be reached by phone at (888) 742-6551, email at deathclaims@americascu.org, and fax at (855) 674-1852 for questions throughout the claims process.
When the deceased had multiple America's CU accounts, some may need separate claims while others can be handled together. The Member Services can clarify what's needed for each account type.
Sources
Data sourced from America's CU primary sources (24 pages reviewed). How we research.
America's Credit Union Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
Card Activation/PIN (US)
Card Activation/PIN (International)
WebsiteLearn more→
Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteLearn more→
Deceased Member Claims
Phone(214) 742-6551
Toll-Free(888) 742-6551
Fax(855) 674-1852
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteNotify online→
Verified Jul 2026
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