What to do when a Bayer Heritage account holder dies
Contact Bayer Heritage — 6-step process, 6 required documents, and processing time varies by account type and complexity. pod accounts typically process faster than probate-dependent accounts. contact bayer heritage for specific timelines.
Member Contact Center
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
WebsiteLearn more→
Member Contact Center
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
WebsiteLearn more→
Member Services
Phone1-304-455-4029
Toll-Free1-800-272-6003
Fax1-304-810-5005
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
Verified Apr 2026
When a Bayer Heritage member passes away, the Member Services handles the transition of accounts to beneficiaries or the estate. Accounts with Payable on Death designations or trust ownership transfer outside of probate, while solely-owned accounts may require Letters Testamentary or Letters of Administration from the probate court.
To start, call Bayer Heritage at 1-304-455-4029. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
Here is the step-by-step death claim process at Bayer Heritage:
Filing a claim
1
Contact Bayer Heritage Federal Credit Union by phone at 800-272-6003 or visit any branch location
2
Obtain a certified death certificate from the funeral home or the applicable state vital statistics office
3
Choose the appropriate settlement path based on account type:
- Joint accounts with right of survivorship: the surviving owner retains access to the account
- POD accounts: beneficiaries present a death certificate and government-issued ID matching the beneficiary designation to claim funds
- Trust accounts: the successor trustee presents the trust document, death certificate, and government-issued ID; ownership of the account passes to the beneficiary upon the death of the last surviving trustee
- Accounts without POD or joint ownership: provide Letters Testamentary or Letters of Administration from the appropriate county probate court
- Small estates in West Virginia: inquire about small estate procedures under W. Va. Code 44-1A
- IRA accounts: named beneficiaries complete the separate IRA beneficiary distribution process
4
Complete any required claim forms provided by Bayer Heritage
5
Submit all documents in person at a branch or by mail to 17612 Energy Rd, Proctor, WV 26055
6
Bayer Heritage reviews documentation and processes the account settlement
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if probate required)
- Small estate affidavit (if applicable under state law)
- Trust documentation (if successor trustee is claiming trust accounts)
- IRA beneficiary distribution forms (for retirement accounts)
Account types addressed in the death claim process include individual accounts, joint accounts with right of survivorship, POD accounts, trust accounts, and IRA accounts. A trust account is not a part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees. For IRA beneficiary claims, separate distribution paperwork is required per the IRA agreement. After hours lost or stolen card support is available at 800-272-6003.
Expected timelines at Bayer Heritage: Processing time varies by account type and complexity. POD accounts typically process faster than probate-dependent accounts. Contact Bayer Heritage for specific timelines. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Bayer Heritage requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if probate required), 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 Bayer Heritage at 800-272-6003 or visit any branch to request a Payable on Death (POD) beneficiary designation form. Complete the form with beneficiary names, residential addresses, and percentage allocations. All account owners must sign the form. Unless otherwise stated, all living beneficiaries receive equal shares upon death of the last surviving account owner. The POD designation applies to all sub-accounts under the regular savings/member number, except IRAs and Coverdell Savings Accounts. West Virginia state law (W. Va. Code 31A-4-33) governs POD account designations.
Bayer Heritage's Member Services can be reached by phone at 1-800-272-6003 and fax at 1-304-810-5005 for questions throughout the claims process.
If the deceased held multiple Bayer Heritage accounts, each may require a separate claim or have different documentation requirements. The Member Services can confirm which accounts require individual attention and which can be processed together.
Member Contact Center
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
WebsiteLearn more→
Member Contact Center
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
WebsiteLearn more→
Member Services
Phone1-304-455-4029
Toll-Free1-800-272-6003
Fax1-304-810-5005
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26055
Verified Apr 2026
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