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
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
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Member Services / Estate Care
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
WebsiteLearn more→
Member Services / Estate Care
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
WebsiteNotify online→
Verified May 2026
After a Amplify CU member 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
1
Notify Amplify Credit Union of the member's death:
- 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
2
Provide a certified death certificate
3
Amplify 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
4
Complete any required claim forms provided by the credit union
5
Amplify can establish an estate account if needed (requires death certificate, EIN for the estate, and Letters Testamentary or Letters of Independent Administration)
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)
- Small Estate Affidavit (if applicable under Texas Estates Code)
Amplify recommends scheduling an appointment with a virtual banker or visiting the nearest branch to begin the estate care process. Additional documentation may be requested depending on the relationship with the deceased and the status of the estate. Contact help.goamplify.com/estate-care for more information.
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 Amplify Credit Union of the borrower's death:
- 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
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), 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. Provide a certified death certificate and valid government-issued photo ID. For POD accounts, the named beneficiary claims funds with the death certificate and ID. For joint accounts with survivorship, ownership passes automatically to the surviving owner(s). For non-POD individual accounts, the executor must provide Letters Testamentary or Letters of Independent Administration from a Texas probate court. 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.
Amplify Credit Union Member Services
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
Personal Debit Cards (24/7)
Personal Credit Card (Elan, 24/7)
Business Credit Cards (24/7)
Business Debit Cards (24/7)
Mortgage/Home Equity
Loan Servicing
Delinquent Loans
Auto Lending
WebsiteLearn more→
Member Services / Estate Care
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
WebsiteLearn more→
Member Services / Estate Care
Phone(512) 836-5901
Fax(512) 491-1018
Mailing Address
Amplify Credit Union, PO Box 85300, Austin, TX 78708-5300
Toll-Free
WebsiteNotify online→
Verified May 2026
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