What to do when a Bellco account holder dies
Contact Bellco — 6-step process, 6 required documents, and 30-90 days depending on account structure and estate complexity
Phone1-800-235-5261
Mailing Address
P.O. Box 6611, Greenwood Village, CO 80155-6611
Local (Denver metro)
WebsiteLearn more→
Phone1-800-235-5261
Mailing Address
P.O. Box 6611, Greenwood Village, CO 80155-6611
Local (Denver metro)
WebsiteLearn more→
Operations - Decedent Claims
Phone1-844-603-1051
Toll-Free1-844-306-0528
Mailing Address
Bellco Credit Union, Attn: Operations - Decedent Claims, PO Box 2068, Glen Burnie, MD 21060
WebsiteNotify online→
Verified Apr 2026
After a Bellco member dies, the Operations - Decedent Claims 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.
Claims can be filed by phone (1-844-603-1051) or by emailing documentation to DecedentClaims@bellco.org. Before reaching out, gather the account holder's full name, account numbers, and a certified death certificate.
Death claim process
Here is the step-by-step death claim process at Bellco:
Filing a claim
1
Contact Bellco Operations Department at 844-603-1051 for business accounts, or call 844-306-0528, or visit any Bellco branch
2
Submit required documentation:
- Certified copy of the death certificate with the raised seal (will be returned to you)
- Mail documents to: Bellco Credit Union, Attn: Operations - Decedent Claims, PO Box 2068, Glen Burnie, MD 21060, or deliver to any branch
- Additional documentation may be required based on account structure
3
For joint accounts:
- Automatic transfers in and out continue, except direct deposits in the deceased member's name are rejected
- Notify companies debiting the deceased member's accounts to stop automatic transfers
4
Choose the appropriate settlement path:
- If POD beneficiary exists: funds pass directly to the named beneficiaries outside of the estate
- If no beneficiary: estate goes through probate; present Letters Testamentary or Letters of Administration
5
Settle accounts as soon as possible; Bellco continues to report to the IRS under the deceased's Social Security Number until the account is closed
6
Power of Attorney becomes void at death and cannot be used to settle accounts
Required Documents
- Certified copy of death certificate with raised seal
- Government-issued photo ID for beneficiary, joint owner, or personal representative
- Letters Testamentary or Letters of Administration (if no POD beneficiary; issued by probate court)
- Small Estate Affidavit (if estate qualifies under Colorado law)
- Trust documents (if trust is named as beneficiary)
- Additional documentation may be requested based on account structure
Bellco publishes a detailed Guide for Handling a Deceased Member's Estate, Assets, and Debts. Decedent claims documents should be mailed to: Bellco Credit Union, Attn: Operations - Decedent Claims, PO Box 2068, Glen Burnie, MD 21060, or email DecedentClaims@bellco.org. The credit union recommends settling accounts promptly because it continues to report to the IRS under the deceased's SSN until the account is closed. For questions regarding deceased business accounts or commercial real estate loans, contact the Bellco Operations Department at 844-603-1051. Bellco advises seeking financial, tax, and legal advice from professional advisors during the settlement process.
Processing timelines at Bellco: 30-90 days depending on account structure and estate complexity. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Bellco requires several documents to process a claim, including Certified copy of death certificate with raised seal, Government-issued photo ID for beneficiary, joint owner, or personal representative, and Letters Testamentary or Letters of Administration (if no POD beneficiary; issued by probate court), 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 the Bellco Operations Department at 844-306-0528, or visit any branch. You will need a certified copy of the death certificate with the raised seal (which Bellco returns). Mail documents to: Bellco Credit Union, Attn: Operations - Decedent Claims, PO Box 2068, Glen Burnie, MD 21060, or deliver to any branch. For deceased business accounts, call 844-603-1051. Bellco publishes a detailed Guide for Handling a Deceased Member's Estate, Assets, and Debts at docs.bellco.org.
Bellco's Operations - Decedent Claims can be reached by phone at 1-844-306-0528 and email at DecedentClaims@bellco.org for questions throughout the claims process.
When the deceased had multiple Bellco accounts, some may need separate claims while others can be handled together. The Operations - Decedent Claims can clarify what's needed for each account type.
Phone1-800-235-5261
Mailing Address
P.O. Box 6611, Greenwood Village, CO 80155-6611
Local (Denver metro)
WebsiteLearn more→
Phone1-800-235-5261
Mailing Address
P.O. Box 6611, Greenwood Village, CO 80155-6611
Local (Denver metro)
WebsiteLearn more→
Operations - Decedent Claims
Phone1-844-603-1051
Toll-Free1-844-306-0528
Mailing Address
Bellco Credit Union, Attn: Operations - Decedent Claims, PO Box 2068, Glen Burnie, MD 21060
WebsiteNotify online→
Verified Apr 2026
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