What happens to your Heartland ECSI accounts when you die

Heartland ECSI balances are a debt, not an asset. There is nothing to designate a beneficiary on and nothing to retitle into a trust: what the account holder owes at death becomes a claim against the estate, paid from estate assets before anything is distributed to heirs.

Estate planning around Heartland ECSI means knowing the balance exists. An executor pays the estate's debts before its heirs, so an unlisted balance is what stalls an estate late — after distributions have already gone out. Relatives do not personally inherit the debt; a co-signer or joint account holder remains obligated on their own account.

When the account holder dies, the executor notifies Heartland ECSI, obtains the balance owed as of the date of death, and resolves it through the estate's creditor process. The steps and required documents are on the death claim page.