What to do when an Everwise account holder dies
Report the death to Everwise's Deceased Member / Estate Accounts at 1-800-552-4745
Everwise operates under a new nameRebranded, effective June 2023
Teachers Credit Union (TCU) rebranded to Everwise Credit Union on June 26, 2023. Same member-owned institution, same South Bend headquarters and same NCUA charter (#60060); account numbers, the 271291826 routing number, and membership terms were unchanged by the rename. No merger or acquisition has followed: the NCUA Credit Union Locator returned status "Active" for charter 60060 on 2026-09-11, and Everwise publishes no merger notice. An executor holding TCU-era paperwork claims through Everwise Member Services at (800) 552-4745 — there is no successor institution to trace.
After a member of Everwise dies, the Deceased Member / Estate Accounts manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
Death claim process
Follow these steps to file a death claim with Everwise:
Filing a claim
- Payable-on-death accounts: the beneficiary's identification and the death certificate
- Joint accounts: the death certificate, to remove the deceased person from the account
- Estate accounts: Letters Testamentary or Letters of Administration and the death certificate
- Trust accounts: successor trustee documentation, the death certificate and the trustee's photo ID
- An original certified copy of the death certificate
- Payable-on-death accounts: the beneficiary's photo ID and Social Security number
- Estate accounts: certified Letters Testamentary or Letters of Administration from an Indiana or Michigan probate court
- Indiana small estate: the small-estate affidavit
- Michigan small estate: the sworn statement, presented directly to Everwise rather than filed with a court
- Trust-titled accounts: the trust agreement or Certification of Trust and the successor trustee's ID
Claims Contact
Website: Online portal →
What happens to each kind of account6
- Account in one name
For an account with no payable-on-death beneficiary and no joint owner, the executor or administrator provides Letters Testamentary or Letters of Administration, or the state's small-estate instrument.1
- Joint account with survivorship
The surviving owner provides a certified death certificate to remove the deceased owner. The account is processed once the documents are verified.1
- Payable-on-death account
The beneficiary provides a certified death certificate and government-issued photo ID to claim the funds, which are paid once the documents are verified.1
- Trust account
The successor trustee provides the trust document, the death certificate and the trustee's identification.1
- Debt protection, GAP or service contract
Everwise Loan Payment Protection covers Life and Loss of Life of a Dependent among its benefits. A Life claim can retire the loan balance rather than leaving it to the estate.2
- Loan
Loans carry a 10-day grace period after the due date before a late fee. Everwise charges $10 per payment when Member Services helps with a debit-card or ACH payment; paying in person or by mail is free.1
Accounts handled elsewhere3
- TruStage
Loan Payment Protection claims on Everwise loans, including the Life benefit2
Phone: 1-800-621-6323
- Everwise Investment Services and LPL Financial
Investment accounts, under a separate LPL claims process1
- MEMBERS Trust Company
Existing MEMBERS Trust Company accounts, routed through Everwise Member Services1
Phone: 1-800-552-4745
What Everwise provides to the estate1
- Payoff statement
Everwise gives the payoff figure on a loan at a branch, through the live agent chat, or at (800) 552-4745.1
Not in Everwise's published guidance6
- A procedure for reporting a death
- A claim form to download
- A fax number for claim documents
- A list of required documents
- How long a claim takes
- Membership and Account Agreement
Sources2
Everwise's Deceased Member / Estate Accounts can be reached by phone at 1-800-552-4745 for questions throughout the claims process.
Sources
(4)·
Data sourced from Everwise primary sources (15 pages reviewed). How we research.
Everwise death claims support
Deceased Member / Estate Accounts (Member Services)
Phone
Toll-free
Loan Payment Protection claims (TruStage)
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Everwise 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: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
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 taxes. Run each tool for your state.
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.
