What to do when a America's CU account holder dies
Contact America's CU's Member Services — 6-step process, 7 required documents, and varies depending on documentation and account type; contact the credit union for an estimate
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→
Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteNotify online→
Verified May 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 or by mail to PO Box 671149, Dallas, TX 75367
6
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)
Visit the nearest branch or call to begin the estate settlement process. The Deceased Member Account Claim/Close Form (form 0336) is available as a PDF on the Forms and Applications page. 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)
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: Varies depending on documentation and account type; contact the credit union for an estimate. 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. For POD (Payable on Death) accounts, the named beneficiary can claim funds by presenting a certified death certificate and valid government-issued photo 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. A Small Estate Affidavit may apply under the Texas Estates Code for qualifying estates.
America's CU's Member Services can be reached by phone at (888) 742-6551 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.
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→
Member Services
Phone(214) 742-6551
Toll-Free(888) 742-6551
Mailing Address
America's Credit Union, PO Box 671149, Dallas, TX 75367
WebsiteNotify online→
Verified May 2026
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