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Home→Financial Institutions→Delta Community CU→When someone dies

What to do when a Delta Community CU account holder dies

Contact Delta Community CU's Delta Community Retirement & Investment Services (DCRIS) — 10-step process, 6 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.

Delta Community CU

Credit Union · Regional

deltacommunitycu.com →
Delta Community CU logo
Phone1-404-715-4725
Toll-Free1-800-544-3328
Mailing Address

Delta Community Credit Union, 1030 Delta Blvd, Atlanta, GA 30354

Trust Services
1-404-677-4100
IRA Team
1-404-677-4600
WebsiteLearn more →

Delta Community Retirement & Investment Services (DCRIS)

Phone1-404-677-4890
EmailDCRIS@DeltaCommunityCU.com
Trust Services
1-404-677-4100
IRA Team
1-404-677-4600
WebsiteLearn more →

Deceased Accounts Department

Phone1-404-677-4659
EmailDeptDeceased@DeltaCommunityCU.com
Fax1-470-351-6550
Mailing Address

Delta Community Credit Union, ATTN: Deposit Services Account Transition Services Team, P.O. Box 20541, Atlanta, GA 30320-2541

Verified Mar 2026

When a Delta Community CU member passes away, the Delta Community Retirement & Investment Services (DCRIS) 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.

Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Delta Community CU. A certified death certificate is the primary document required to start any claim.

Death claim process

Here is the step-by-step death claim process at Delta Community CU:

Filing a claim

1Contact the Deceased Accounts Department at 404-677-4659, option 3, or email DeptDeceased@DeltaCommunityCU.com
2You may also call (800) 544-3328 or visit any branch to report the death
3Provide a certified copy of the death certificate along with all affected account numbers
4The Deceased Accounts Department verifies whether the member had payment protection (Credit Life & Disability) and submits a claim if applicable
5Delta Community reviews the account type and ownership structure to determine the distribution path
6Joint accounts: the surviving joint owner continues to use the account; to remove the deceased joint owner, submit a death certificate to the Account Transition Services Team
7Single owner with POD: account is closed and funds are disbursed directly to the named beneficiaries
8Single owner without POD: funds are distributed to the estate; executor provides Letters Testamentary or Letters of Administration
9IRS reporting continues under the deceased SSN until the account is closed; prompt action avoids complications
10Joint funds or POD funds remaining in the account are NCUA insured 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
  • All affected account numbers
  • Letters Testamentary or Letters of Administration (when account has no POD designation and no joint owner)
  • Trust documents and trustee identification (when trust is named as beneficiary)
  • For IRA accounts: original documentation must be submitted by mail or presented in person

The Deceased Accounts Department (404-677-4659, option 3, DeptDeceased@DeltaCommunityCU.com) handles all death-related account matters. Estate documents may be submitted by fax (470-351-6550), mail (P.O. Box 20541, Atlanta, GA 30320-2541, ATTN: Deposit Services Account Transition Services Team), or in person at any branch. For IRA accounts, documentation must be originals sent by mail or presented in person. Delta Community advises updating personal estate planning documents (will, financial power of attorney, advanced medical directive, and named beneficiaries) after the loss of a spouse. Contact DCRIS at DCRIS@DeltaCommunityCU.com or 404-677-4890 (Monday-Friday 8 AM - 5 PM ET) for legacy planning.

Processing timelines at Delta Community CU: 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.

Delta Community CU requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for each beneficiary or claimant, and All affected account numbers, 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 Deceased Accounts Department at 404-677-4659, option 3, or email DeptDeceased@DeltaCommunityCU.com. 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. Single-owner accounts without a POD are distributed to the estate through probate. Delta Community also checks whether the member had Credit Life & Disability payment protection and files a claim if applicable. Joint and POD funds remain NCUA insured for up to six months after the date of death.

Delta Community CU's Deceased Accounts Department can be reached by phone at 1-404-677-4659, email at DeptDeceased@DeltaCommunityCU.com, and fax at 1-470-351-6550 for questions throughout the claims process.

If the deceased held multiple Delta Community CU accounts, each may require a separate claim or have different documentation requirements. The Delta Community Retirement & Investment Services (DCRIS) can confirm which accounts require individual attention and which can be processed together.

Delta Community CU

Credit Union · Regional

deltacommunitycu.com →
Delta Community CU logo
Phone1-404-715-4725
Toll-Free1-800-544-3328
Mailing Address

Delta Community Credit Union, 1030 Delta Blvd, Atlanta, GA 30354

Trust Services
1-404-677-4100
IRA Team
1-404-677-4600
WebsiteLearn more →

Delta Community Retirement & Investment Services (DCRIS)

Phone1-404-677-4890
EmailDCRIS@DeltaCommunityCU.com
Trust Services
1-404-677-4100
IRA Team
1-404-677-4600
WebsiteLearn more →

Deceased Accounts Department

Phone1-404-677-4659
EmailDeptDeceased@DeltaCommunityCU.com
Fax1-470-351-6550
Mailing Address

Delta Community Credit Union, ATTN: Deposit Services Account Transition Services Team, P.O. Box 20541, Atlanta, GA 30320-2541

Verified Mar 2026

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