What to do when a FourLeaf FCU account holder dies
Contact FourLeaf FCU — 6-step process, 7 required documents, and fourleaf recommends settling accounts as soon as possible to avoid irs reporting complications. processing time depends on account structure and completeness of documentation.
FourLeaf Federal Credit Union, 899 S. Oyster Bay Road, Bethpage, NY 11714
FourLeaf Federal Credit Union, 899 S. Oyster Bay Road, Bethpage, NY 11714
Operations - Decedent Claims
FourLeaf Federal Credit Union, ATTN: Operations - Decedent Claims, PO Box 2069, Glen Burnie, MD 21060
When a member of FourLeaf FCU passes away, the Operations - Decedent Claims 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.
FourLeaf FCU offers an online claims portal that makes the initial filing process more straightforward. Survivors can also initiate claims by phone or by mailing documentation directly.
Death claim process
Follow these steps to file a death claim with FourLeaf FCU:
Filing a claim
- POD/beneficiary accounts: beneficiary provides government-issued ID and death certificate; funds are distributed directly
- Non-POD accounts: provide Letters Testamentary or Letters of Administration bearing seal from Surrogate's Court (must be dated within 6 months)
- No will or court appointment: provide a claiming affidavit if applicable under state law (Deceased Affidavit form available at fourleaffcu.com/forms/)
- Trust accounts: provide trust documents and estate EIN if applicable
- Any automated transfers going in or out of the decedent's accounts will be rejected; notify companies debiting the accounts
- Any Power of Attorney (POA) held on the account is voided upon death
- Settle accounts promptly to avoid continued IRS reporting under the deceased's SSN
Required Documents
- Certified death certificate with raised seal or certified copy (photocopies not accepted)
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration bearing seal from Surrogate's Court, dated within 6 months (if no POD designation)
- Deceased Affidavit (for small estate claims; form available at fourleaffcu.com/forms/)
- Trust documents and estate EIN (if trust account)
- IRA beneficiary claim forms and distribution election (if IRA account)
- Proof of name change (if applicable)
What to know at this institution
Call 844-306-0529 or email EstateServices@fourleaffcu.com to inform FourLeaf of the death before visiting a branch. FourLeaf may also receive notice of a member's death from the U.S. Government and will begin its process upon receipt. A decedent pamphlet with detailed instructions is available at docs.fourleaffcu.com/documents/decendent-pamphlet.pdf. Letters Testamentary/Administration from Surrogate's Court must be dated within 6 months to be accepted. The Deceased Affidavit form is available at fourleaffcu.com/forms/ for small estate claims. Any Power of Attorney held on the account is voided upon the death of the principal. Single-owner accounts with designated beneficiaries are closed and distributed to those beneficiaries; single-owner accounts with no beneficiaries are distributed to the estate; jointly owned accounts remain open for the surviving owner(s) and may be retitled. IRA balances are moved into an Inherited IRA under the beneficiary's name and tax ID.
Prepare your letter of instruction to FourLeaf FCU
FourLeaf FCU provides its own letter-of-instruction form. Answer a few questions and we complete that official form for you to print and sign.
Build your letter of instructionExpected timelines at FourLeaf FCU: FourLeaf recommends settling accounts as soon as possible to avoid IRS reporting complications. Processing time depends on account structure and completeness of documentation. 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 FourLeaf FCU includes Certified death certificate with raised seal or certified copy (photocopies not accepted), Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration bearing seal from Surrogate's Court, dated within 6 months (if no POD designation), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
A Revocable Trust Account, also known as Payable on Death (POD) or Totten Trust, allows you to designate beneficiaries who receive the account funds upon the death of all account owners. If two or more account holders create the account, they own it jointly with survivorship. Beneficiaries cannot withdraw funds while any account creator is living.
Contact FourLeaf Decedent Claims at 844-306-0529 or email EstateServices@fourleaffcu.com to report the death. FourLeaf will provide a specific list of required documents based on the account structure. A certified death certificate with raised seal is required for all claims. For POD/beneficiary accounts, funds are distributed directly to designated beneficiaries. For non-POD accounts, Letters Testamentary or Letters of Administration from Surrogate's Court (dated within 6 months) are required. A detailed decedent pamphlet is available at docs.fourleaffcu.com/documents/decendent-pamphlet.pdf.
FourLeaf FCU's Operations - Decedent Claims can be reached by phone at 1-844-306-0529, email at EstateServices@fourleaffcu.com, and fax at 516-349-6765 for questions throughout the claims process.
If the deceased held multiple FourLeaf FCU accounts, each may require a separate claim or have different documentation requirements. The Operations - Decedent Claims can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from FourLeaf FCU primary sources (22 pages reviewed). How we research.
FourLeaf Federal Credit Union, 899 S. Oyster Bay Road, Bethpage, NY 11714
FourLeaf Federal Credit Union, 899 S. Oyster Bay Road, Bethpage, NY 11714
Operations - Decedent Claims
FourLeaf Federal Credit Union, ATTN: Operations - Decedent Claims, PO Box 2069, Glen Burnie, MD 21060
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