What to do when a BECU account holder dies
Contact BECU's BECU Trust Services (Members Trust Company) — 10-step process, 12 required documents, and allow 3 or more weeks for account research to be completed
Phone1-206-439-5700
Toll-Free1-800-233-2328
Mailing Address
BECU, PO Box 97050, Seattle, WA 98124-9750
WebsiteLearn more →
BECU Trust Services (Members Trust Company)
Phone1-206-812-5176
Emailbecutrust@becu.org
Fax1-206-439-5888
Mailing Address
BECU Trust Services, PO Box 97050, MS 1017-1, Seattle, WA 98124-9750
WebsiteLearn more →
Account Servicing
Phone1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
WebsiteNotify online →
Verified Feb 2026
When a BECU member passes away, the BECU Trust Services (Members Trust Company) 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.
BECU provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
Here is the step-by-step death claim process at BECU:
Filing a claim
1Notify BECU by calling 800-233-2328 or visiting any BECU branch location
2Provide a certified death certificate (obtain from your state's Department of Health)
3For joint accounts with survivorship: surviving owner retains access; close accounts under deceased's SSN and open new accounts under survivor's name
4For POD beneficiary accounts: beneficiaries submit the Adult Beneficiary Request to Claim Funds form (Form 342), Minor Beneficiary form (Form 341), or Organization Beneficiary form (Form 343)
5For estate accounts: personal representative provides Letters Testamentary or Letters of Administration and completes the Claim Funds of Deceased Account Holder form (Form 6993)
6For small estates: complete the Small Estate Settlement by Affidavit form (Form 2097)
7For trust accounts: successor trustee completes the Trust Account Successor Trustee Certification and Account Closure Request (Form 6829)
8For IRA accounts: beneficiaries complete the IRA Beneficiary Disbursement Election form (Form 2100) or Organization variant (Form 2101)
9Allow 3 or more weeks for account research to be completed
10Close accounts held under the deceased member's Social Security number as soon as possible to limit complications with year-end IRS reporting
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if personal representative)
- Small Estate Settlement by Affidavit (Form 2097, if estate qualifies)
- Adult Beneficiary Request to Claim Funds (Form 342)
- Minor Beneficiary Request to Claim Funds (Form 341)
- Organization Beneficiary Request to Claim Funds (Form 343)
- IRA Beneficiary Disbursement Election (Form 2100)
- IRA Beneficiary Disbursement Election - Organization (Form 2101)
- Claim Funds of Deceased Account Holder (Form 6993)
- Deceased Tax Owner Account Closure Request (Form 6861)
- Trust Account Successor Trustee Certification and Account Closure Request (Form 6829)
For mortgage accounts, contact BECU Mortgage department at 877-747-2328. Use the Request to Remove Decedent from Mortgage form (Form 2095) for mortgage changes. For loan loss management, call 206-439-5787. The Successor in Interest Packet (Form P-1250) is available for mortgage assumption. Credit card authorized users must destroy or return cards and cannot continue use after cardholder death. Government deposits made in the decedent's name after date of death are automatically returned. Interest continues reporting under decedent's SSN until accounts are closed. The Deceased Member Documentation Request form (Form 2094) is available for requesting account documentation. Authorization to Release Information forms are available for attorneys (Form 15245) and legal representatives of the estate (Form 15246).
Processing timelines at BECU: Allow 3 or more weeks for account research to be completed. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
BECU 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 personal representative), 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
Notify BECU by calling 800-233-2328 or visiting any branch. Provide a certified death certificate. Allow 3 or more weeks for account research. Close accounts under the deceased member's SSN as soon as possible to limit IRS reporting complications. For mortgage accounts, contact BECU Mortgage at 877-747-2328.
As a Payable on Death beneficiary, you need a certified death certificate, government-issued photo ID, and the appropriate Beneficiary Request to Claim Funds form: Adult (Form 342), Minor (Form 341), or Organization (Form 343). For IRA beneficiaries, use the IRA Beneficiary Disbursement Election form (Form 2100). All forms are available at becu.org/support/forms or at any BECU branch.
Surviving joint account holders with right of survivorship retain access to funds and may continue using debit cards and checks. BECU recommends closing accounts held under the deceased member's Social Security number as soon as possible and opening new accounts under the survivor's name to avoid complications with year-end IRS reporting.
BECU's Account Servicing can be reached by phone at 1-800-233-2328 for questions throughout the claims process.
If the deceased held multiple BECU accounts, each may require a separate claim or have different documentation requirements. The BECU Trust Services (Members Trust Company) can confirm which accounts require individual attention and which can be processed together.
Phone1-206-439-5700
Toll-Free1-800-233-2328
Mailing Address
BECU, PO Box 97050, Seattle, WA 98124-9750
WebsiteLearn more →
BECU Trust Services (Members Trust Company)
Phone1-206-812-5176
Emailbecutrust@becu.org
Fax1-206-439-5888
Mailing Address
BECU Trust Services, PO Box 97050, MS 1017-1, Seattle, WA 98124-9750
WebsiteLearn more →
Account Servicing
Phone1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
WebsiteNotify online →
Verified Feb 2026
Tools for settling a BECU estate
Calculators and checklists to help navigate estate settlement after a BECU account holder passes away.
How Do I Settle an Estate?
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Do I Need Probate?
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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.
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