What to do when a HawaiiUSA FCU account holder dies
Report the death to HawaiiUSA FCU's Member Solution Center at 1-800-379-1300
After a member of HawaiiUSA FCU dies, the Member Solution Center 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 HawaiiUSA FCU:
Filing a claim
- POD beneficiary: death certificate and photo ID, to claim the account directly
- Surviving joint owner: death certificate, to have the deceased member removed from the account
- Executor or administrator: Letters Testamentary or Letters of Administration
- Small-estate successor: the sworn Affidavit for Collection of Personal Property (form 3C-E-210) with the death certificate
- A cover letter naming the deceased member, the account numbers, your role, and your contact information
- Certified copy of the death certificate
- Government-issued photo ID for the claimant
- Letters Testamentary, Letters of Administration, or the sworn Affidavit for Collection of Personal Property (form 3C-E-210)
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the claimantWith a photograph, physical description and signature: a Hawaii or out-of-state driver's license or ID card, a military or military civilian ID, a resident alien card, a U.S. passport, or a foreign passport on a J1 visa.
- Letters Testamentary or Letters of Administration, when there is no POD beneficiary and no surviving joint owner
- Hawaii Affidavit for Collection of Personal Property (Judiciary form 3C-E-210), for a small estate, in place of LettersSworn before a notary and itemizing the specific HawaiiUSA share and certificate numbers being collected, with a continuation page if needed. A certified copy of the death certificate is submitted with it.
- Trust agreement or Certificate of Trust, when a trust holds the account or is the named beneficiary
- Beneficiary claim paperwork for an HSA or IRASeparate from a deposit-account POD claim.
- Safe deposit box key, if the member rented a box
What happens to each kind of account7
- Payable-on-death account
The named beneficiary claims the funds with the death certificate and photo ID. The claim is settled once a branch verifies the death certificate and identification.1
- Joint account with survivorship
The surviving owner presents the death certificate to have the deceased member removed. The claim is settled once a branch verifies the death certificate and identification.1
- Account in one name
With no POD beneficiary and no joint owner, the executor or administrator presents Letters, or the successor to a qualifying small estate uses the Hawaii small-estate affidavit.1
- Health savings account
Claimed on the account's own beneficiary designation, not a POD.1
- IRA
Claimed on the account's own beneficiary designation, not a POD.1
- Investment account
Investments and insurance are not credit union products: securities and advisory services come through LPL Financial. Investment, annuity and insurance accounts are claimed on LPL paperwork, separately from the branch claim.1
- Safe deposit box
Annual box rent of $55.00, $80.00 or $130.00 by size is auto-deducted from the S01 Basic Savings (Prime Share) account. The key deposit is $20.00, and forced entry and lock replacement each carry a minimum charge of $130.00 if no key turns up.2
Boxes are at six branches: Aiea, Kapolei, Kihei, Main, Mililani and Pearl City. Aiea is closed for renovation as of September 6, 2026, with its boxes inaccessible until the planned late-November 2026 reopening; HawaiiUSA will reimburse the fee for the closure after the renovation.1
Accounts handled elsewhere2
- HawaiiUSA Investment and Insurance Services
Investment, annuity and insurance accounts, through LPL Financial1
Phone: 1-808-844-8338
Email: hiis@hawaiiusafcu.com
- HawaiiUSA Visa credit card line
The HawaiiUSA Visa credit card (international: 1 (410) 581-9994)1
Phone: 1-866-820-6823
What HawaiiUSA FCU's agreement and guidance say3
- Membership
The Basic Savings (Prime Share) account is the share that keeps the membership open. Closing it ends the relationship along with any linked services, so it is closed last.1
- Fees
Members get the first two notary signatures per day free, and Signature Guarantee is free for members only. Records Research is $25.00 per hour or fraction, requested copies are $2.50 per page, and for the Document Review Fee "actual charges may apply".2
The Basic Savings (Prime Share) minimum balance is $5.00, with a $1.00 monthly fee below it. An Invalid Address Fee of $5.00 per quarter runs when mail bounces, and an Early Closure Fee of $25.00 within 90 days or $100.00 within 180 days applies to money market accounts and HSAs.2
- Dormant and unclaimed accounts
A $5.00 monthly inactive account fee applies after three years with no member-initiated activity; activity "does not include Credit Union initiated transactions such as dividend payments, service charges, etc." A $50.00 abandoned property processing fee is charged in the month an account is processed for escheatment.2
Not in HawaiiUSA FCU's published guidance3
- How long a claim takes
- A procedure for reporting a death
- Terms in its agreements for a customer's death
Sources2
- 1.Contact Us
- 2.Schedule of Fees and Charges, effective 03/03/2026
HawaiiUSA FCU's Member Solution Center can be reached by phone at 1-800-379-1300 for questions throughout the claims process.
Sources
Data sourced from HawaiiUSA FCU primary sources (15 pages reviewed). How we research.
HawaiiUSA FCU death claims support
Member Solution Center (deceased member accounts)
Phone
Toll-free
HawaiiUSA Visa credit card (United States)
HawaiiUSA Visa credit card (international)
Investment and annuity claims (LPL Financial)
Hours
Mailing address
Website
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