What to do when a Blue FCU account holder dies
Contact Blue FCU — 5-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
Payment Assistance
Fraud Reporting/Confirmation
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 May 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 first step is contacting Blue FCU at 1-800-368-9328 with the account holder's full name, account numbers, and a certified death certificate in hand.
Death claim process
Follow these steps to file a death claim with Blue FCU:
Filing a claim
1
Contact Blue FCU at 1-800-368-9328 or visit any branch to report the death of a member
2
Provide a certified copy of the death certificate
3
Blue FCU reviews the account type and ownership structure to determine the distribution path
4
Follow the appropriate settlement path based on account type:
- For joint accounts with right of survivorship: the surviving joint owner continues to use the account normally
- For 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.)
- For single-owner accounts without POD: funds are distributed to the estate; executor provides Letters Testamentary or Letters of Administration
- For IRA accounts: beneficiary provides certified death certificate and completes IRA distribution paperwork
- For small estates: a Wyoming Small Estate Affidavit may be accepted (personal property under $200,000 per WY Stat 2-1-205)
5
NCUA 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).
How long the process takes 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. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Blue FCU includes 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), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Yes, a revocable living trust can be named as a POD (Payable on Death) beneficiary on Blue FCU deposit accounts including checking, savings, and term share certificates. This allows funds to transfer directly to the trust upon the account holder's death, bypassing probate under the Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.). To set up a trust as POD beneficiary, visit a branch with the trust name, trustee information, and trust tax ID. IRA accounts cannot use POD designations but can name a trust as a standard beneficiary.
The distribution path depends on the account type and ownership. Joint accounts with right of survivorship transfer immediately to the surviving owner. Single-owner accounts with a POD (Payable on Death) beneficiary designation are disbursed directly to the named beneficiaries, bypassing probate under Wyoming law. Accounts without a POD or joint owner pass through the estate, requiring Letters Testamentary or Letters of Administration. For small estates, a Wyoming Small Estate Affidavit may be accepted for personal property under $200,000 (WY Stat 2-1-205). IRA beneficiaries must complete IRA distribution paperwork. Contact Blue FCU at 1-800-368-9328 or visit any branch to report a death.
Wyoming has no state income tax, no state estate tax, and no state inheritance tax, which generally simplifies trust administration for Wyoming-domiciled trusts. Blue FCU is headquartered in Cheyenne and is chartered in Wyoming. Under Wyoming Uniform Probate Code (WY Stat 2-6-101 et seq.), POD beneficiary designations on Blue FCU deposit accounts pass directly to beneficiaries on the owner's death, bypassing probate. Choice of trust situs is a separate legal question -- consult a licensed attorney for trust drafting and situs decisions. To open a Blue FCU trust account, visit any branch with the trust documents and trust EIN.
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
Payment Assistance
Fraud Reporting/Confirmation
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
Payment Assistance
Fraud Reporting/Confirmation
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 May 2026
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