What to do when a Idaho Central CU account holder dies
Contact Idaho Central CU's Wealth Management (Planning & Investing) — 4-step process, 5 required documents, and pod and joint accounts typically processed within 5-10 business days after documentation is received. estate accounts requiring probate vary based on court timelines.
Member Services
Phone1-800-456-5067
Mailing Address
P.O. Box 2469, Pocatello, ID 83206-2469
After-Hours / Lost or Stolen Cards (US)
After-Hours (Outside US)
Card Activation/PIN
WebsiteLearn more→
Wealth Management (Planning & Investing)
Phone(208) 519-5847
Emailicwm@iccuwealth.com
Mailing Address
1111 S Silverstone Way, 5th Floor, Meridian, ID 83642
WebsiteLearn more→
Death Claims (via Member Services)
Phone1-800-456-5067
Mailing Address
Idaho Central Credit Union, P.O. Box 2469, Pocatello, ID 83206-2469
Verified Apr 2026
The Wealth Management (Planning & Investing) at Idaho Central CU coordinates account transitions after a member's death. How each account is handled depends on its setup: POD and trust accounts transfer automatically, while solely-owned accounts typically require court authorization through Letters Testamentary or Letters of Administration.
Before contacting Idaho Central CU, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Death claim process
The death claim process at Idaho Central CU works as follows:
Filing a claim
1
Notify ICCU of the death promptly:
- Call Member Services at 1-800-456-5067 (Mon-Fri 7:00AM-7:00PM MT; Sat 8:00AM-4:00PM MT) or visit any branch
- After hours, call 1-888-241-2510
- Per the ICCU account agreement, the credit union must be promptly notified of the death of any person on an account
2
Provide a certified copy of the death certificate
3
Follow the process based on account structure:
- For POD accounts: named beneficiary presents certified death certificate and government-issued photo ID to claim funds
- For joint accounts with right of survivorship: surviving owner retains full access; provide death certificate to update account records
- For trust-owned accounts: successor trustee provides trust documents, trustee ID, and certified death certificate
- For accounts without POD or joint ownership: executor or administrator provides Letters Testamentary or Letters of Administration
4
ICCU reviews all documentation before releasing funds
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD or joint owner)
- Trust documents and successor trustee identification (if trust holds or is beneficiary of the account)
- Small Estate Affidavit (if applicable under Idaho law for estates under $100,000)
ICCU does not have a publicly listed dedicated estate or survivor assistance department. Contact Member Services at 1-800-456-5067 or visit any branch to initiate the death claim process. After-hours support is available at 1-888-241-2510.
Expected timelines at Idaho Central CU: POD and joint accounts typically processed within 5-10 business days after documentation is received. Estate accounts requiring probate vary based on court timelines. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Idaho Central CU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if no POD or joint owner), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Yes. At ICCU, a new POD (Payable on Death) form revokes all prior POD designations on your account. If you add a beneficiary or change a percentage, you must re-list all intended beneficiaries on the new form — any beneficiary omitted from the new form will no longer be designated. This is an important distinction for members with multiple beneficiaries or trust beneficiaries who update designations over time.
ICCU supports both approaches for personal revocable trusts. You can retitle a checking, savings, money market, or CD account directly into the trust name (which funds the trust during your lifetime), or you can leave the account in your individual name and designate the trust as POD beneficiary (which passes the account to the trust at death without requiring retitling). IRA accounts cannot be retitled into a trust; they must use a beneficiary designation naming the trust. Retitling requires a branch visit with your trust agreement or Certificate of Trust.
When a joint owner dies, the surviving owner retains full access to the account under the right of survivorship. ICCU requires a certified death certificate to update account records and remove the deceased owner. After the account is updated to sole ownership, the surviving owner can add or update POD beneficiaries, retitle the account into a trust, or make other estate planning changes. Existing POD designations on a joint account do not take effect until the last surviving owner dies, so updating them after the first death is an important step.
The Idaho First-Time Homebuyer Savings Account can carry a POD beneficiary designation. If the account holder dies before using the funds for a qualifying home purchase, the POD beneficiary may claim the funds with a certified death certificate and government-issued ID. The Idaho state tax benefits (income tax deduction on contributions) were tied to the original account holder's intent to purchase an Idaho residence; beneficiaries should consult a tax advisor about whether withdrawal of inherited funds triggers any Idaho tax recapture. ICCU does not have published guidance on this specific scenario — contact Member Services at 1-800-456-5067 for account-specific information.
Idaho Central CU's Death Claims (via Member Services) can be reached by phone at 1-800-456-5067 and email at memberservice@iccu.com for questions throughout the claims process.
Multiple Idaho Central CU accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Wealth Management (Planning & Investing) to confirm what applies.
Member Services
Phone1-800-456-5067
Mailing Address
P.O. Box 2469, Pocatello, ID 83206-2469
After-Hours / Lost or Stolen Cards (US)
After-Hours (Outside US)
Card Activation/PIN
WebsiteLearn more→
Wealth Management (Planning & Investing)
Phone(208) 519-5847
Emailicwm@iccuwealth.com
Mailing Address
1111 S Silverstone Way, 5th Floor, Meridian, ID 83642
WebsiteLearn more→
Death Claims (via Member Services)
Phone1-800-456-5067
Mailing Address
Idaho Central Credit Union, P.O. Box 2469, Pocatello, ID 83206-2469
Verified Apr 2026
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