What to do when a Langley FCU account holder dies
Contact Langley FCU — 10-step process, 7 required documents, and pod and joint accounts settled more quickly; non-pod accounts without joint ownership require estate documentation which varies based on probate requirements
Customer Service
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, Newport News, VA 23612
WebsiteLearn more →
Customer Service
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, Newport News, VA 23612
WebsiteLearn more →
Account Servicing
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, ATTN: Account Servicing, Newport News, VA 23612
WebsiteNotify online →
Verified Mar 2026
When a Langley FCU member passes away, the Account Servicing 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.
Langley FCU provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
Here is the step-by-step death claim process at Langley FCU:
Filing a claim
1Contact Langley FCU Account Servicing at 757-827-5328 or 1-800-826-7490, or visit any branch
2Langley's team will assist you in managing the financial aspects of your loved one's estate
3Provide a certified copy of the death certificate
4Provide valid government-issued identification for the person settling the account
5For joint accounts: surviving owner retains account ownership per the Membership and Account Agreement
6For accounts with POD beneficiaries: funds distributed to all surviving POD beneficiaries/payees
7Unless state law provides otherwise, multiple beneficiaries receive funds jointly in equal shares without rights of survivorship
8For accounts without POD/beneficiary designations: funds payable to the estate of the deceased owner, subject to applicable law
9To open an Estate Account: provide a Certificate of Qualification appointing Estate Representative (or similar official court document), an original death certificate with seal, verification of the Estate's Tax ID (not a SSN), valid identification for the Estate Representative, and verification of the representative's SSN
10Download the deceased accounts guide at langleyfcu.org/doc/deceasedaccounts-booklet.pdf for additional details
Required Documents
- Certified death certificate (original with seal)
- Government-issued ID for the person settling the account
- Certificate of Qualification appointing Estate Representative, or Letters Testamentary/Letters of Administration (for estate accounts)
- Estate Tax ID (EIN from the IRS, not a SSN) for opening an estate account
- SSN verification for the Estate Representative
- Small estate affidavit (if applicable under Virginia or North Carolina law)
- Trust documents (if trust is beneficiary)
Langley provides a downloadable Deceased Accounts Booklet (PDF) with comprehensive information about the settlement process. Per the Membership and Account Agreement, individual account balances pass to the estate or POD beneficiary subject to applicable law, the credit union's statutory lien rights, and any security interest or pledge granted by the account owner.
Processing timelines at Langley FCU: POD and joint accounts settled more quickly; non-POD accounts without joint ownership require estate documentation which varies 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.
Langley FCU requires several documents to process a claim, including Certified death certificate (original with seal), Government-issued ID for the person settling the account, and Certificate of Qualification appointing Estate Representative, or Letters Testamentary/Letters of Administration (for estate accounts), 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
A Payable on Death (POD) designation is an instruction to the Credit Union that an individual or joint account is payable to the owner(s) during their lifetimes and, when the last account owner dies, is payable to all surviving POD beneficiaries. Unless state law provides otherwise, multiple beneficiaries own the funds jointly in equal shares without rights of survivorship.
Contact Langley's Account Servicing team at 757-827-5328 or 1-800-826-7490 (Monday-Friday 8 AM - 6 PM ET, Saturday 8:30 AM - 1 PM ET) or visit any branch. Langley provides a downloadable Deceased Accounts Booklet at langleyfcu.org/doc/deceasedaccounts-booklet.pdf with comprehensive settlement information.
You will need a certified death certificate and government-issued ID for the person settling the account. For accounts going through probate, Letters Testamentary or Letters of Administration are required. To open an Estate Account, you need a Certificate of Qualification, original death certificate with seal, Estate Tax ID (EIN), and the Estate Representative's valid ID and SSN verification.
Per Langley's Membership and Account Agreement, joint accounts with right of survivorship pass to the surviving owner(s) upon the death of a co-owner. The surviving owner retains full access to the account and funds.
Langley FCU's Account Servicing can be reached by phone at 1-800-826-7490 for questions throughout the claims process.
If the deceased held multiple Langley FCU accounts, each may require a separate claim or have different documentation requirements. The Account Servicing can confirm which accounts require individual attention and which can be processed together.
Customer Service
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, Newport News, VA 23612
WebsiteLearn more →
Customer Service
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, Newport News, VA 23612
WebsiteLearn more →
Account Servicing
Phone(757) 827-5328
Toll-Free1-800-826-7490
Mailing Address
Langley Federal Credit Union, P.O. Box 120128, ATTN: Account Servicing, Newport News, VA 23612
WebsiteNotify online →
Verified Mar 2026
Tools for settling a Langley FCU estate
Calculators and checklists to help navigate estate settlement after a Langley FCU account holder passes away.
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