What to do when a Del-One account holder dies
Report the death to Del-One Contact Center at 1-302-739-4496
When a member of Del-One passes away, Del-One Contact Center 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 Del-One at 1-302-739-4496 with the account holder's full name, account numbers, and the death certificate in hand.
Death claim process
To file a claim after an account holder's death, here is what Del-One requires:
Filing a claim
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Delaware small estate affidavit, for a small estate with no probate
- Letters Testamentary or Letters of Administration from the Delaware Register of Wills, where probate is required
- Trust agreement or Certificate of Trust, for a successor trustee claiming a trust share account
- IRA beneficiary distribution forms, for retirement accountsRequired under the IRA plan agreement.
Claims Contact
Website: Online portal →
What happens to each kind of account5
- Joint account with survivorship
The surviving owner presents the certified death certificate and government-issued photo ID at a branch.1
- Certificate of deposit
On a share certificate with a named beneficiary, the beneficiary presents a certified death certificate and photo ID matching the designation. Del-One's beneficiary procedure names share certificates and IRAs.1
- IRA
The named beneficiary presents a certified death certificate and photo ID matching the designation.1
Separate distribution paperwork is required under the IRA plan agreement.2
- Trust account
The successor trustee presents the trust agreement or Certificate of Trust with photo ID and the certified death certificate.1
- Account in one name
An account with no beneficiary and no joint owner is settled on Letters Testamentary or Letters of Administration from the Delaware Register of Wills, or, for a small estate with no probate, on the Delaware small estate affidavit.1
Article III, Section 5(d) of the bylaws provides that "the share account of a deceased member (other than one held in joint tenancy with another member) may be continued until the close of the dividend period in which the administration of the deceased's estate is completed."3
State law on paying a balance without lettersPennsylvania
- Pennsylvania
20 Pa.C.S. § 3101(b)
Pennsylvania law directs a credit union to pay from a deceased member's balance on an affidavit, without letters testamentary or letters of administration.20 Pa.C.S. § 3101(b)Verified Oct 3, 2026View source
Limit: $20,000 held at the institution
When: at any time after the death of a depositor, member or certificate holder
Paid to: the spouse; any child; the father or mother; any sister or brother
The section sets further conditions.
What Del-One provides to the estate1
- Statement copies
Del-One prints a Statement Copy/Account History for $1.00 per page. Research or reconciliation that is not a credit union error costs $20.00 per hour, with a one-hour minimum.4
Help Del-One offers survivors1
- Inherited IRAs guide
A guide on Del-One's disclosures page setting out an IRA beneficiary's distribution options.5
What Del-One's agreement and guidance say2
Not in Del-One's published guidance5
- A procedure for reporting a death
- A claim form
- An email address for claim documents
- A fax number for claim documents
- How long a claim takes
Sources5
- 1.Locations and Hours
- 2.IRA plan agreement
- 3.Bylaws
- 4.Schedule of Fees and Charges (Consumer)
- 5.Disclosures
Del-One Contact Center can be reached by phone at 1-302-739-4496 for questions throughout the claims process.
Sources
Data sourced from Del-One primary sources (20 pages reviewed). How we research.
Del-One death claims support
Del-One Contact Center
Phone
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Del-One accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
