What to do when a Everwise account holder dies
Contact Everwise — 2-step process, 6 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Member Services
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Bank by Phone (24/7 automated)
Loan Pay Line (24/7 automated)
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Bank by Phone (24/7 automated)
Loan Pay Line (24/7 automated)
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services - Deceased Member / Estate Accounts
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
WebsiteNotify online→
Verified Apr 2026
After a Everwise member dies, the Member Services - 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.
Everwise provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
Follow these steps to file a death claim with Everwise:
Filing a claim
1
Contact Everwise Member Services at 800-552-4745 or visit any branch to report the death
2
Gather required documents based on account type:
- POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
- Joint accounts with right of survivorship: surviving owner provides certified death certificate to remove deceased
- Non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
- Trust accounts: successor trustee provides trust document, death certificate, and trustee identification
- Investment accounts through LPL Financial: a separate claims process may apply
- Trust administration accounts: contact Everwise at 800-552-4745 to determine the claims process
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD/joint account)
- Small Estate Affidavit (if estate qualifies under Indiana or Michigan law)
- Trust documents (if trust is named as beneficiary or for trust-titled accounts)
- Marriage certificate or proof of relationship (may be required)
For investment accounts held through LPL Financial, a separate claims process may apply; contact your Everwise Investment Services representative. For trust administration accounts through MEMBERS Trust Company, contact Everwise at 1-800-552-4745.
Expected timelines at Everwise: POD and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Everwise includes Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if no POD/joint account), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Everwise offers investment and wealth management services through LPL Financial (FINRA/SIPC member). Available products include brokerage accounts, Guided Wealth Portfolios, stocks, bonds, mutual funds, and annuities. Individual brokerage and wealth management accounts can be titled to a trust or set up with TOD (Transfer on Death) beneficiary designations. These products are not NCUA insured, are not credit union deposits, and may lose value.
POD (Payable on Death) beneficiaries can be added to any Everwise deposit account by visiting a branch with a government-issued photo ID, or by calling 1-800-552-4745 to request that a beneficiary designation form be mailed to you. Online beneficiary updates are not available. Provide the beneficiary's full legal name, date of birth, Social Security number, and relationship. Multiple primary and contingent beneficiaries with percentage allocations are supported.
Call Everwise Member Services at 1-800-552-4745 (Monday-Friday 7:00 AM - 7:00 PM ET, Saturday 8:00 AM - 3:00 PM ET) or visit any branch with a certified death certificate and government-issued photo ID. POD beneficiaries can claim funds directly with a death certificate and ID. Joint owners with right of survivorship can have the deceased removed from the account. For accounts without POD or joint ownership, the executor must provide Letters Testamentary or Letters of Administration. For trust accounts, the successor trustee provides the trust document, death certificate, and ID.
Everwise's Member Services - Deceased Member / Estate Accounts can be reached by phone at 1-800-552-4745 for questions throughout the claims process.
When the deceased had multiple Everwise accounts, some may need separate claims while others can be handled together. The Member Services - Deceased Member / Estate Accounts can clarify what's needed for each account type.
Member Services
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Bank by Phone (24/7 automated)
Loan Pay Line (24/7 automated)
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Bank by Phone (24/7 automated)
Loan Pay Line (24/7 automated)
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services - Deceased Member / Estate Accounts
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
WebsiteNotify online→
Verified Apr 2026
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