What to do when a Bayer Heritage account holder dies
Contact Bayer Heritage — 9-step process, 8 required documents, and varies by title. pod and joint-survivorship accounts settle fastest once the certified death certificate and id are presented; trust accounts follow once the successor trustee documents authority; probate-dependent accounts wait on letters from the county court. bayer heritage does not publish a service-level timeline — ask member services at 800-272-6003.
Member Contact Center
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
Lost/stolen debit or credit card (after hours)
WebsiteLearn more→
Member Contact Center
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
Lost/stolen debit or credit card (after hours)
WebsiteLearn more→
Member Services (via the Member Contact Center)
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
WebsiteNotify online→
Verified Jul 2026
When a Bayer Heritage member passes away, the Member Services (via the Member Contact Center) 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.
Death claims at Bayer Heritage can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Here is the step-by-step death claim process at Bayer Heritage:
Filing a claim
1
Notify the credit union promptly — the Account Disclosure's DEATH OR INCOMPETENCE clause says you agree to notify Bayer Heritage promptly if any person with a right to withdraw funds dies. Call the Member Contact Center at 800-272-6003 (Option 4, 24/7) or visit a branch
2
Obtain certified death certificates. The Account Disclosure states that an original death certificate or a certified copy must be produced to the credit union before a death claim can be filed for insurance purposes
3
Expect the account to keep operating briefly. The credit union may continue to honor the member's checks, items, and instructions until (a) it knows of the death and (b) it has had a reasonable opportunity to act on that knowledge, and it may pay or certify checks drawn on or before the date of death for up to ten (10) days afterward — unless someone claiming an interest in the account orders it to stop payment. To stop that window:
- Tell Member Services in writing that you claim an interest in the account and ask that payment be stopped
- Cancel automatic payments, direct deposits, and debit card authorizations tied to the member's accounts (a power of attorney or agency authorization on the account terminates on the death of the owner)
4
Take the settlement path that matches how the account was titled — the rules differ by branch state:
- Joint account with right of survivorship (WV/OH): the balance belongs to the surviving owner(s) as joint tenants with survivorship, subject to any pledge the credit union agreed to
- Payable on Death (POD) account: at the death of the last surviving owner, ownership passes to the named POD beneficiaries and is not part of the estate; living beneficiaries take equal shares unless written percentages were filed
- South Carolina accounts: a single-party account passes as part of the party's estate; a multiple-party account with right of survivorship passes to the surviving parties (spouse first where one survives); a single-party or multiple-party account with a pay-on-death designation passes to the POD beneficiaries and is not part of the estate
- Texas accounts: the Uniform Single-Party or Multiple-Party Account Selection Form Notice controls — a convenience signer owns nothing at death unless also named a P.O.D. payee or trust beneficiary, and on a Trust Account the balance passes to the beneficiary at the death of the last surviving trustee
- Trust account: the successor trustee presents the trust agreement or Certification of Trust, a certified death certificate, and photo ID
- No POD, no joint owner, no trust: the personal representative presents Letters Testamentary or Letters of Administration from the county probate court (county commission in WV, probate court in OH and SC, county court in TX). The FIDUCIARY ACCOUNTS clause allows an executor or administrator under court orders to open an estate account at the credit union
- IRA or Coverdell ESA: the beneficiary named on that account's own designation claims it through the separate IRA/Coverdell distribution paperwork — the deposit-account POD designation does not reach these accounts
5
If the estate is small, ask about the branch state's small-estate route before opening probate:
- West Virginia: the small estate procedure under the West Virginia Small Estate Act (W. Va. Code 44-1A) can avoid full administration
- Ohio: relief from administration under Ohio Rev. Code 2113.03, or summary release from administration under Ohio Rev. Code 2113.031
- South Carolina: collection of personal property by affidavit under S.C. Code 62-3-1201 through the county probate court
- Texas: a small estate affidavit or affidavit of heirship may be available through the county court where the Baytown-area member lived
6
Ask whether the member had a Bayer Heritage loan or credit card. The credit union's contract right of repayment and statutory lien let it apply the member's shares and dividends to a due-and-payable debt — but the Account Disclosure states those rights do NOT apply to an IRA or similar tax-deferred account, or to a debt created by a consumer credit transaction under a credit card plan. Ask whether payment protection (life coverage) was purchased on any loan
7
Ask for an early-withdrawal penalty waiver on any share certificate: the Truth in Savings disclosure states the law permits or requires waiver of the penalty in circumstances such as the death of an owner
8
Submit the certified death certificate, your photo ID, and the claim paperwork Member Services provides at a branch or by mail to Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
9
Expect an indemnity request: the Account Disclosure says the credit union may require anyone claiming a deceased owner's account funds to indemnify it for any losses resulting from honoring that claim, and that the agreement binds the heirs and legal representatives of any account owner
Required Documents
- Original or certified copy of the death certificate (required before a death claim can be filed)
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration (if the account passes through the estate)
- State small estate affidavit, where the estate qualifies (W. Va. Code 44-1A; Ohio Rev. Code 2113.03 / 2113.031; S.C. Code 62-3-1201)
- Trust agreement or Certificate/Certification of Trust (successor trustee claiming a trust account)
- Bayer Heritage claim paperwork provided by Member Services (no public downloadable death-claim form)
- Separate IRA or Coverdell ESA beneficiary distribution paperwork for those accounts
- Indemnification, if the credit union requires it of a claimant
What to know at this institution
Bayer Heritage publishes no death-claim form; Member Services supplies the paperwork on request. The governing document is the Account Disclosure (Terms and Conditions of Your Account) at https://www.bayerhfcu.com/assets/files/oViPTQ7i, linked from Forms, Fees & Disclosures. Its DEATH OR INCOMPETENCE clause is the operative death provision: prompt notice by the member's family, continued honoring of items until the credit union knows of the death and has a reasonable opportunity to act, a ten-day window in which checks drawn on or before the date of death may be paid or certified absent a stop-payment order from someone claiming an interest, an indemnification the credit union may demand from anyone claiming a deceased owner's funds, and a requirement that an original or certified death certificate be produced before a death claim can be filed for insurance purposes. The agreement is binding on the heirs and legal representatives of any account owner. Any power of attorney or agency authorization on the account terminates on the death of the owner. The credit union's right of repayment and statutory lien reach the member's shares for a due-and-payable debt, but not an IRA or similar tax-deferred account and not a credit card balance. Share certificate early withdrawal penalties may be waived on the death of an owner. Rights at death differ by branch state, and the Account Disclosure carries separate ownership sections for West Virginia, Ohio, South Carolina, Pennsylvania, and Texas.
Prepare your letter of instruction to Bayer Heritage
Bayer Heritage accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Bayer Heritage's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at Bayer Heritage: Varies by title. POD and joint-survivorship accounts settle fastest once the certified death certificate and ID are presented; trust accounts follow once the successor trustee documents authority; probate-dependent accounts wait on Letters from the county court. Bayer Heritage does not publish a service-level timeline — ask Member Services at 800-272-6003. 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 Original or certified copy of the death certificate (required before a death claim can be filed), Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration (if the account passes through the estate), 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
Under the Account Disclosure, if you designated unequal percentage shares and a named beneficiary is not living at the death of the last surviving account owner, the unassigned portion of the shares is re-designated equally among the surviving beneficiaries. If you never gave percentages, the default applies: all living beneficiaries own the account in equal shares. Percentages you do assign must total 100 percent; if they do not, the credit union may default to equal-share ownership or ask you to correct the designation.
Yes, within limits set by the Account Disclosure. The DEATH OR INCOMPETENCE clause lets the credit union continue honoring the member's checks, items, and instructions until it knows of the death and has had a reasonable opportunity to act on that knowledge, and it may pay or certify checks drawn on or before the date of death for up to ten days after the death — unless someone claiming an interest in the account orders it to stop payment. That is why the agreement asks the family to notify the credit union promptly, in writing, and why you should cancel automatic payments and card authorizations at the same time. Call 800-272-6003, Option 4, which is staffed 24/7.
The funds pass through the estate. The personal representative presents a certified death certificate and Letters Testamentary or Letters of Administration from the court where the member lived — the county commission in West Virginia, the probate court in Ohio and South Carolina, the county court in Texas. The Account Disclosure's fiduciary accounts clause lets an executor or administrator acting under court orders open an estate account at the credit union. Before opening probate, ask Member Services about the small-estate route in the member's state: the West Virginia Small Estate Act (W. Va. Code 44-1A), relief from administration or summary release in Ohio (Ohio Rev. Code 2113.03 and 2113.031), or collection by affidavit in South Carolina (S.C. Code 62-3-1201). Send documents to 788 N. State Rt. 2, New Martinsville, WV 26155.
Bayer Heritage's Member Services (via the Member Contact Center) can be reached by phone at 1-800-272-6003 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 (via the Member Contact Center) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Bayer Heritage primary sources (27 pages reviewed). How we research.
Member Contact Center
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
Lost/stolen debit or credit card (after hours)
WebsiteLearn more→
Member Contact Center
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
Lost/stolen debit or credit card (after hours)
WebsiteLearn more→
Member Services (via the Member Contact Center)
Phone1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 788 N. State Rt. 2, New Martinsville, WV 26155
Member Contact Center (menu option)
WebsiteNotify online→
Verified Jul 2026
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