What to do when an Amplify CU account holder dies
Report the death to Amplify CU's Estate Care at 1-512-836-5901
After a member of Amplify CU dies, the 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.
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 (contact center Monday-Friday 8:30am-5:30pm CT, Saturday 9am-2pm CT)
- Or visit the nearest Amplify branch
- Or book a virtual banker appointment, the route Amplify's Estate Care article recommends first
- Live chat on goamplify.com and in online banking is staffed the same hours as the contact center
- Secure Messages inside online banking accepts document attachments and is answered within one business day
- Amplify has no dedicated estate phone number and no estate fax; (512) 491-1018 is the general Member Service Requests fax
- Certified death certificate
- Valid government-issued photo ID
- Probate documentation if the estate is open
- Payable-on-death account: the death certificate and the beneficiary's ID
- Joint account: the death certificate, to update the account ownership
- Estate account: Letters Testamentary or Letters of Independent Administration from a Texas probate court, and the estate's EIN
- The member number
- Current photo ID for every security owner, all present at the same time
- The completed transfer documents, unsigned and undated
- An external account statement less than 90 days old
- Any physical certificates
- The brokerage's letter of instruction
Required Documents
- Certified death certificate
- Government-issued photo ID, for the beneficiary or authorized representative
- Letters Testamentary or Letters of Independent Administration, for an estate in probate
- Proof of the estate's EIN, to open an estate account
- Trust documentation, if the account was held in trust
- Texas small estate affidavit approved by the probate court, for a small intestate estate transferred without full administration
What happens to each kind of account5
- Payable-on-death account
The surviving named beneficiary provides a death certificate and valid government-issued ID to claim the funds directly.1
Under the Membership and Account Agreement, several payable-on-death beneficiaries are paid in equal shares without right of survivorship.2
- IRA
The named beneficiary provides a death certificate and completes separate IRA distribution paperwork.1
A payable-on-death designation never applies to an IRA.2
- Joint account with survivorship
All sums in the account on the date of death vest in the surviving owners as separate property and pass outside probate. Each survivor's share is their lifetime net contribution plus an equal share of the deceased owner's interest.2
- Joint account without survivorship
The deceased owner's interest passes through the estate, so the surviving owner may not keep the whole balance.1
- Account in one name
For an individual account with no payable-on-death beneficiary, the executor provides Letters Testamentary or Letters of Independent Administration.1
State law on paying a balance without lettersTexas
- Texas
Tex. Est. Code § 152.051
Texas law permits a credit union to pay from a deceased member's balance on an order of the court, without letters testamentary or letters of administration.Tex. Est. Code § 152.051Verified Oct 3, 2026View source
Paid to: a funeral home or the applicant, for funeral and burial expenses
Limit: $5,000 in total from every holder
When: the application may be filed "not earlier than the third day after the date of the decedent's death and not later than nine months after the date of the decedent's death"
The section permits the payment. It does not require the credit union to make it. The section sets further conditions.
Accounts handled elsewhere1
- Elan Financial Services
Amplify-branded credit cards, which Amplify's Estate Care team does not settle1
Phone: 1-800-558-3424
Help Amplify CU offers survivors1
- Medallion Signature Guarantee program
A branch visit for the signature guarantee needed to re-register a deceased person's stock, bond, mutual fund or annuity certificate. It accepts a death certificate or probate documentation as proof of the signer's capacity.3
Who qualifies: Members in good standing, at all four branches
What Amplify CU's agreement and guidance say4
- Payments after the death
Amplify may honor transactions until it knows of the death. It may keep paying checks and drafts drawn on the deceased owner's account for ten days after death unless a person claiming an interest in the account tells it to stop payment.2
- Indemnity a claimant may have to give
Amplify may require anyone claiming a deceased owner's funds to indemnify it against loss.2
Amplify may refuse instructions under a trust, will or court order that it believes expose it to claims, or require indemnification or a bond.2
- Debts owed to the institution
Amplify has a statutory lien and pledge over all shares and deposits except IRAs, and payment of a deceased owner's account is subject to it. A defaulted Amplify loan is settled out of the shares first and can reduce what a payable-on-death beneficiary or survivor receives.2
The pledge does not secure obligations backed by the member's principal residence. Where Amplify does not apply the funds right away, it may freeze the accounts to protect its lien and offset them later.2
- Deposits after the death
Direct deposits and federal benefit payments received after the death are subject to reversal.1
Not in Amplify CU's published guidance1
- A claim form
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.
- Call (512) 836-5901 or toll-free (800) 237-5087, or visit a branch
- Give the deceased borrower's full legal name and loan number
- Documentation of your ownership interest: a probated will, court order, recorded deed, or trust document naming you as successor trustee or beneficiary
- Letters Testamentary or Letters of Independent Administration if the estate is going through probate
- Continue making payments
- Apply for a loan assumption
- Refinance
- Pay off the balance
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID, for the heir or personal representative
- Documentation of your ownership interest in the propertyA probated will, court order, recorded deed, or trust document.
- Letters Testamentary or Letters of Independent Administration, if the estate is going through probate
- Marriage certificate, if you are the surviving spouse
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Required Documents
- Certified death certificate
- Letters Testamentary or Letters of Independent Administration
- Government-issued photo ID, for the executor or administrator
- Card account number or the last statement
Claims Contact
Phone: 1-800-558-3424
Hours: 24 hours a day, 7 days a week
Accounts handled elsewhere1
- Elan Financial Services
Issues and services Amplify-branded consumer credit cards; Amplify does not service the card debt1
Phone: 1-800-558-3424
Sources1
Amplify targets two business days to process each request; the overall timeline depends on the documents the situation needs.
Amplify CU's Estate Care can be reached by phone at 1-512-836-5901 and fax at 1-512-491-1018 for questions throughout the claims process.
Sources
Data sourced from Amplify CU primary sources (15 pages reviewed). How we research.
Amplify CU death claims support
Estate Care (Contact Center)
Phone
Toll-Free
Elan Cardmember Service for Amplify credit cards
Fax
Hours
Mailing address
Website
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