What to do when a Consumers CU account holder dies

Expected timelines at Consumers CU: POD and joint accounts processed upon verification of death certificate and identification. Estate accounts depend on probate court timelines. NCUA share insurance continues to cover joint and POD funds for up to six months following the date of death. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.

Consumers CU requires several documents to process a claim, including Certified copy of the death certificate, 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.

Consumers CU's Death Claims / Member Services can be reached by phone at 877-275-2228 for questions throughout the claims process.

Multiple Consumers CU accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Death Claims / Member Services to confirm what applies.