What to do when a IMCU account holder dies
Contact IMCU — 7-step process, 5 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Mar 2026
When a IMCU member passes away, the Death Claims (via Member Services) 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.
The claim process begins with a phone call to 1-800-556-9268. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at IMCU:
Filing a claim
1Contact IMCU Member Services at 800-556-9268 or 317-248-8556, or visit any branch to report the death
2Gather required documents based on account type
3For POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
4For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove deceased
5For non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
6For IRA accounts: designated beneficiary provides certified death certificate and completes distribution paperwork
7For trust-titled accounts: successor trustee provides trust document, death certificate, and trustee identification
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 law)
- Trust documents (if trust is named as beneficiary or for trust-titled accounts)
IMCU may place a hold on accounts upon notification of a member death. All pending transactions may be processed before funds are released to beneficiaries or the estate.
Processing timelines at IMCU: POD and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
IMCU 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/joint account), 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
If your account has a POD (Payable on Death) designation, the named beneficiaries can claim the funds by providing a certified death certificate and valid photo ID at any branch. For joint accounts with right of survivorship, the surviving owner retains the account. For accounts without POD or joint ownership, the executor or administrator of the estate must provide Letters Testamentary or Letters of Administration.
POD (Payable on Death) designations apply to deposit accounts such as checking, savings, money market, and certificates. Upon the last owner's death, funds transfer directly to named beneficiaries outside of probate. IRA beneficiary designations serve a similar purpose but are governed by separate IRS rules regarding distributions and tax treatment. POD designations do not apply to IRA accounts.
Contact IMCU Member Services at 800-556-9268 or 317-248-8556, or visit any branch. You will need a certified death certificate and government-issued photo ID. For POD accounts, beneficiaries can claim funds directly. For accounts without POD or joint ownership, Letters Testamentary or Letters of Administration from the probate court are required.
IMCU's Death Claims (via Member Services) can be reached by phone at 1-800-556-9268 for questions throughout the claims process.
If the deceased held multiple IMCU accounts, each may require a separate claim or have different documentation requirements. The Death Claims (via Member Services) can confirm which accounts require individual attention and which can be processed together.
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more →
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Mar 2026
Tools for settling a IMCU estate
Calculators and checklists to help navigate estate settlement after a IMCU account holder passes away.
How Do I Settle an Estate?
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
Get Checklist
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.
Use Calculator
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.
Use Calculator
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.
Use Calculator
Do I Need Probate?
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
Check Now
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.
Use Calculator