What to do when a Blue FCU account holder dies
Contact Blue FCU — 9-step process, 5 required documents, and joint accounts transfer immediately. pod accounts are typically processed within 2-4 weeks. estate accounts requiring probate documentation may take 30-90 days.
Phone1-800-368-9328
Emailsupport@bluefcu.com
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
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Phone1-800-368-9328
Emailsupport@bluefcu.com
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
Member Solutions (Payment Assistance)
Visa Dispute Specialist
Debit Card Unauthorized Charges
Credit Card Unauthorized Charges
International Collect
TDD Hearing Impaired
WebsiteLearn more →
Death Claims
Phone1-800-368-9328
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
Verified Mar 2026
When a Blue FCU member passes away, the Death Claims 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.
The claim process begins with a phone call to 1-800-368-9328. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at Blue FCU:
Filing a claim
1Contact Blue FCU at 1-800-368-9328 or visit any branch to report the death of a member
2Provide a certified copy of the death certificate
3Blue FCU reviews the account type and ownership structure to determine the distribution path
4For joint accounts with right of survivorship: the surviving joint owner continues to use the account normally
5For single-owner accounts with POD: account is closed and funds are disbursed directly to the named beneficiaries per Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.)
6For single-owner accounts without POD: funds are distributed to the estate; executor provides Letters Testamentary or Letters of Administration
7For IRA accounts: beneficiary provides certified death certificate and completes IRA distribution paperwork
8For small estates: a Wyoming Small Estate Affidavit may be accepted (personal property under $200,000 per WY Stat 2-1-205)
9NCUA share insurance continues to cover joint and POD funds for up to six months following the date of death
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for each beneficiary or claimant
- Letters Testamentary or Letters of Administration (when account has no POD designation and no joint owner)
- Small Estate Affidavit (if estate qualifies under Wyoming law, WY Stat 2-1-205)
- Trust documents and trustee identification (when trust is named as beneficiary)
Under Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.), POD beneficiary designations on deposit accounts pass funds directly to surviving beneficiaries on the death of the owner(s), bypassing probate. Wyoming has no state income tax and no state estate or inheritance tax. Wyoming allows a small estate affidavit for personal property under $200,000 (WY Stat 2-1-205).
Processing timelines at Blue FCU: Joint accounts transfer immediately. POD accounts are typically processed within 2-4 weeks. Estate accounts requiring probate documentation may take 30-90 days.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Blue FCU requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for each beneficiary or claimant, and Letters Testamentary or Letters of Administration (when account has no POD designation and no joint owner), 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
Visit any Blue FCU branch location in Wyoming or Colorado, call 1-800-368-9328, or request a beneficiary form by mail. Online beneficiary designation is not currently available. For deposit accounts, complete a POD (Payable on Death) beneficiary designation form. For IRA accounts, a separate IRA beneficiary designation form is required. Under the Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.), POD designations cause funds to pass directly to surviving beneficiaries, bypassing probate.
The outcome depends on account ownership. Joint accounts pass to the surviving joint owner. Single-owner accounts with a POD designation are closed and funds are disbursed directly to the named beneficiaries under the Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.). Single-owner accounts without a POD are distributed to the estate through probate. Wyoming has no state estate or inheritance tax. NCUA share insurance continues to cover joint and POD funds for up to six months after the date of death.
Contact Blue FCU at 1-800-368-9328 or visit any branch in Wyoming or Colorado. You will need a certified death certificate and government-issued photo ID. For POD accounts, beneficiaries can claim funds directly. For joint accounts, the surviving owner provides the death certificate. For accounts without POD or joint ownership, Letters Testamentary or Letters of Administration from the probate court are required. For small estates, a Wyoming Small Estate Affidavit may be accepted for personal property under $200,000 (WY Stat 2-1-205).
Blue FCU offers three checking tiers. NOVA Perks Elite ($9/month, or $7/month for military, first responders, and members age 23 and under) earns 2.00% APY on balances up to $15,000 and includes ID Theft Aid, cell phone protection, roadside assistance, buyer's protection, health savings card, BaZing discounts, Billshark, accidental death coverage, a 5.00% interest rebate on loans, and a 0.50% APY premium bonus on standard term shares. NOVA Perks Premium ($7/month) earns 0.50% APY on balances up to $15,000 with most Elite benefits. Basic Checking has an $8/month fee waived with one monthly transaction or $100 minimum balance.
Blue FCU's Death Claims can be reached by phone at 1-800-368-9328 for questions throughout the claims process.
If the deceased held multiple Blue FCU accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-800-368-9328
Emailsupport@bluefcu.com
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
Member Solutions (Payment Assistance)
Visa Dispute Specialist
Debit Card Unauthorized Charges
Credit Card Unauthorized Charges
International Collect
TDD Hearing Impaired
WebsiteLearn more →
Phone1-800-368-9328
Emailsupport@bluefcu.com
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
Member Solutions (Payment Assistance)
Visa Dispute Specialist
Debit Card Unauthorized Charges
Credit Card Unauthorized Charges
International Collect
TDD Hearing Impaired
WebsiteLearn more →
Death Claims
Phone1-800-368-9328
Mailing Address
Blue Federal Credit Union, 2401 E. Pershing Blvd, Cheyenne, WY 82001
Verified Mar 2026
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