What to do when a Amplify CU account holder dies
Contact Amplify CU's Member Services / Estate Care — 5-step process, 6 required documents, and amplify targets processing within two business days, though timeline depends on documentation required for the specific situation
Amplify Credit Union Member Services
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Member Services / Estate Care
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Member Services / Estate Care
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
After a member of Amplify CU dies, the Member Services / Estate Care 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.
Death claims at Amplify CU can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Deposit, investment & retirement accounts
To file a claim after an account holder's death, here is what Amplify CU requires:
Filing a claim
- Call (512) 836-5901 or toll-free (800) 237-5087 (Mon-Fri 8:30am-5:30pm CT, Sat 9am-2pm CT)
- Or visit the nearest Amplify branch — https://www.goamplify.com/locations/
- Schedule an appointment with a virtual banker at https://help.goamplify.com/account-management/contact-us if preferred
- Prompt written notice matters: under Section 30 of the Membership and Account Agreement, Amplify may keep honoring checks and drafts drawn on the deceased owner's account for up to ten days after death unless a person claiming an interest in the account instructs it to stop payment
- For POD accounts: the surviving named POD beneficiary provides a death certificate and valid government-issued ID to claim funds directly (multiple beneficiaries take equal shares without right of survivorship; a POD designation does not apply to IRAs)
- For joint accounts with right of survivorship: sums in the account vest in the surviving owner(s) on the date of death and pass outside probate
- For non-POD individual accounts: executor provides Letters Testamentary or Letters of Independent Administration
- For small intestate estates: a Texas Small Estate Affidavit approved by the probate court (Tex. Est. Code Ch. 205) can transfer the account without full administration when estate assets, excluding the homestead and exempt property, are $75,000 or less and 30 days have passed since death
- For IRA accounts: beneficiary provides death certificate and completes distribution paperwork
Required Documents
- 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)
- Texas Small Estate Affidavit approved by the probate court (intestate estates $75,000 or less excluding homestead and exempt property; Tex. Est. Code Ch. 205)
Claims Contact
What to know at this institution
Amplify's Estate Care team (help.goamplify.com/estate-care) begins by reviewing the account, determining who can settle the affairs, and building a documentation list; it states it cannot provide legal or estate-planning advice. Under Section 30 of the Membership and Account Agreement, Amplify may honor checks and drafts for up to ten days after death absent a stop-payment instruction from an interested person, may require anyone claiming a deceased owner's funds to indemnify it against loss, and treats the Agreement as binding on the account owner's heirs and legal representatives. Direct deposits and federal benefit payments received after death are subject to reversal (ACLI/Treasury reclamation), so heirs should not spend post-death deposits. Additional documentation may be requested depending on the claimant's relationship to 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.
- Call (512) 836-5901 or toll-free (800) 237-5087, or visit a branch
- Provide the deceased borrower's full legal name and loan number
- 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
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), Amplify 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 Amplify CU: Amplify targets processing within two business days, though timeline depends on documentation required for the specific situation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by Amplify CU includes Certified death certificate, Government-issued photo ID for beneficiary or authorized representative, and Letters Testamentary or Letters of Independent Administration (for probate estates), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
POD beneficiary designations are added in branch or with a virtual banker. Call Amplify at (512) 836-5901 or (800) 237-5087, or visit any branch (Esperanza, Pond Springs, Round Rock/La Frontera, or Cedar Park) with valid government-issued photo ID. Provide each beneficiary's full legal name and identifying information, plus percentage allocations if naming multiple beneficiaries. POD designations let the named beneficiary claim funds directly with a death certificate and ID, bypassing Texas probate. IRA beneficiary designations are handled separately from deposit-account POD forms.
Amplify's Estate Care team handles deceased-member accounts. Call (512) 836-5901 or (800) 237-5087, or schedule an appointment with a virtual banker or branch visit; notify Amplify in writing promptly, because under Section 30 of its Membership and Account Agreement it may keep honoring checks and drafts for up to ten days after death unless an interested person instructs it to stop payment. Provide a certified death certificate and valid government-issued photo ID. For POD accounts, the surviving named beneficiary claims funds with the death certificate and ID (multiple beneficiaries share equally, without right of survivorship). For joint accounts with survivorship, sums vest in the surviving owner(s) on the date of death. For non-POD individual accounts, the executor must provide Letters Testamentary or Letters of Independent Administration from a Texas probate court. For small intestate estates of $75,000 or less (excluding the homestead and exempt property), a court-approved Texas Small Estate Affidavit under Tex. Est. Code Ch. 205 can transfer the account without full administration once 30 days have passed since death. Amplify can also open an estate account, which requires a death certificate, the estate's EIN, and probate letters. Amplify targets processing each request within two business days. See https://help.goamplify.com/estate-care for details.
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Amplify cannot enforce a due-on-sale clause when the property transfers at death to a surviving spouse, child, relative, or the borrower's revocable living trust. Heirs should call Amplify's mortgage department at (512) 874-7171 (or general line at (512) 836-5901) and submit a certified death certificate plus documentation establishing the heir's interest (probated will, court order, recorded deed, or trust document). Heirs may then continue payments, apply for loan assumption, refinance, or pay off the balance. Continue making monthly payments during the review to avoid default. Texas home equity loans and HELOCs are also subject to Texas Constitution Article XVI, Section 50.
Amplify CU's Member Services / Estate Care can be reached by phone at (512) 836-5901 and fax at (512) 491-1018 for questions throughout the claims process.
When the deceased had multiple Amplify CU accounts, some may need separate claims while others can be handled together. The Member Services / Estate Care can clarify what's needed for each account type.
Sources
Data sourced from Amplify CU primary sources (35 pages reviewed). How we research.
Amplify Credit Union Member Services
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Member Services / Estate Care
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Member Services / Estate Care
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Estate planning articles
Learn how to protect your Amplify CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
More tools for handling this estate
Calculators and checklists for executors and trustees.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
How Much Can an Executor Charge?
Calculate how much an executor (personal representative) can charge for administering an estate. See if your state has statutory fees or uses reasonable compensation.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
What's Fair Trustee Compensation?
Find out what's fair compensation for serving as trustee. Compare family, professional, and corporate trustee rates based on your situation.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
