What to do when a HawaiiUSA FCU account holder dies
Contact HawaiiUSA FCU's HawaiiUSA Investment and Insurance Services (securities and advisory services through LPL Financial) — 8-step process, 7 required documents, and hawaiiusa does not publish a claims timeline. pod and joint-survivorship claims are settled once a branch verifies the death certificate and identification; a claim that depends on letters or the small-estate affidavit moves at the pace of the court process behind it. investment and annuity claims run on lpl financial’s separate schedule.
Member Solution Center
HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 96817
HawaiiUSA Investment and Insurance Services (securities and advisory services through LPL Financial)
HawaiiUSA Investment and Insurance Services, 1226 College Walk, Honolulu, HI 96817
Member Solution Center (deceased member accounts)
HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 96817
After a member of HawaiiUSA FCU dies, the Member Solution Center (deceased member 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 claims at HawaiiUSA FCU can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Follow these steps to file a death claim with HawaiiUSA FCU:
Filing a claim
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration, when there is no POD beneficiary and no surviving joint owner
- POD account: the named beneficiary claims the funds with the death certificate and photo ID
- Joint account with right of survivorship: the surviving owner presents the death certificate to have the decedent removed
- Individual account with no POD and no joint owner: the executor or administrator presents Letters, or a qualifying small estate uses the Hawaii affidavit (below)
- HSA and IRA: claimed on the account’s own beneficiary designation, not a POD
- Investment, annuity, or insurance accounts: filed with LPL Financial through HawaiiUSA Investment and Insurance Services at (808) 844-8338 or hiis@hawaiiusafcu.com, on a separate track from the branch claim
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary or Letters of Administration, when there is no POD beneficiary and no surviving joint owner
- For a small estate: Hawaii Affidavit for Collection of Personal Property of the Decedent (Judiciary form 3C-E-210) under Haw. Rev. Stat. § 560:3-1201
- Trust documentation (trust agreement or Certificate of Trust) when a trust holds the account or is the named beneficiary
- Beneficiary claim paperwork for an HSA or IRA, which is separate from a deposit-account POD claim
- Safe deposit box key, if the member rented a box
What to know at this institution
HawaiiUSA does not publish its Membership and Account Agreement online, so its clauses on continued payment after death, indemnification, and set-off could not be read from a primary source and are deliberately not asserted here — ask the Member Solution Center for the account agreement in writing. What IS documented in HawaiiUSA’s own materials and matters to an estate: the Schedule of Fees and Charges (effective 03/03/2026) sets the Basic Savings (Prime Share) minimum balance at $5.00 and auto-deducts safe deposit box rent from that share; it charges an inactive account fee after three years without member-initiated activity (credit-union-initiated entries such as dividends do not count) and an abandoned property processing fee when a balance escheats, noting that Hawaii statutes require balances to be turned over to the State of Hawaii after five years of inactivity with no member contact; forced entry and lock replacement on a safe deposit box each carry a minimum charge; a Records Research fee applies to reconstructing account history (an executor tracing a decedent’s transactions should expect it); a Legal Processing Fee applies to garnishments and levies; and a Document Review Fee may apply to reviewing trust or estate paperwork. Notary service is free to members for the first two signatures per day, by appointment. Investments and insurance are NOT credit union products: securities and advisory services come through LPL Financial, and those accounts are not NCUA insured and are claimed on LPL paperwork, not the branch process. Members can prepare estate documents in advance through the Digital Estate Kit HawaiiUSA offers with TruStage and One Digital Trust.
Prepare your letter of instruction to HawaiiUSA FCU
HawaiiUSA FCU accepts a claimant-drafted letter of instruction. We draft it for you — addressed to HawaiiUSA FCU's verified claims department, with the documents it requires enclosed.
Build your letter of instructionHow long the process takes at HawaiiUSA FCU: HawaiiUSA does not publish a claims timeline. POD and joint-survivorship claims are settled once a branch verifies the death certificate and identification; a claim that depends on Letters or the small-estate affidavit moves at the pace of the court process behind it. Investment and annuity claims run on LPL Financial’s separate schedule. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by HawaiiUSA FCU includes Certified copy of the death certificate, Government-issued photo ID for the claimant, and Letters Testamentary or Letters of Administration, when there is no POD beneficiary and no surviving joint owner, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Yes, when the estate qualifies. Under Haw. Rev. Stat. § 560:3-1201, a person holding the decedent’s personal property — including a credit union holding deposits — must pay or deliver it to the claimed successor on presentation of a death certificate and a sworn affidavit stating that the gross value of the decedent’s estate in Hawaii does not exceed $100,000 (motor vehicles registered to the decedent transfer regardless of value) and that no application or petition for the appointment of a personal representative is pending or has been granted in Hawaii. The Hawaii Judiciary form is the Affidavit for Collection of Personal Property of the Decedent (3C-E-210), and § 560:3-1202 discharges HawaiiUSA when it pays on that affidavit. Present it with the death certificate and your photo ID at a branch. HawaiiUSA notarizes the first two signatures per day free for members, by appointment, if the affidavit still needs to be sworn. POD and joint-survivorship accounts pass outside this process entirely.
No. Investments and insurance are offered through HawaiiUSA Investment and Insurance Services, and securities and advisory services come through LPL Financial, a registered investment advisor and broker-dealer. HawaiiUSA Federal Credit Union and HawaiiUSA Insurance & Investment Services are not registered as a broker-dealer or investment advisor, and these accounts are not NCUA insured and are not credit union deposits. That means the branch death-claim process does not reach them: a brokerage, advisory, annuity, or life insurance claim is filed on LPL or carrier paperwork through the Investment and Insurance Services office at 1226 College Walk, (808) 844-8338 or hiis@hawaiiusafcu.com. Individual brokerage and advisory accounts can carry a Transfer on Death designation or be titled to a revocable trust; annuities and insurance pay a named beneficiary on a contract claim form.
HawaiiUSA FCU's Member Solution Center (deceased member accounts) can be reached by phone at (800) 379-1300 for questions throughout the claims process.
When the deceased had multiple HawaiiUSA FCU accounts, some may need separate claims while others can be handled together. The Member Solution Center (deceased member accounts) can clarify what's needed for each account type.
Sources
- hawaiiusafcu.com
- capitol.hawaii.gov
- courts.state.hi.us
- invest.hawaiiusafcu.com
- locations.hawaiiusafcu.com
Data sourced from HawaiiUSA FCU primary sources (20 pages reviewed). How we research.
Member Solution Center
HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 96817
HawaiiUSA Investment and Insurance Services (securities and advisory services through LPL Financial)
HawaiiUSA Investment and Insurance Services, 1226 College Walk, Honolulu, HI 96817
Member Solution Center (deceased member accounts)
HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 96817
Estate planning articles
Learn how to protect your HawaiiUSA FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
More tools for handling this estate
Calculators and checklists for executors and trustees.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
How Much Can an Executor Charge?
Calculate how much an executor (personal representative) can charge for administering an estate. See if your state has statutory fees or uses reasonable compensation.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
What's Fair Trustee Compensation?
Find out what's fair compensation for serving as trustee. Compare family, professional, and corporate trustee rates based on your situation.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
