What to do when a MIDFLORIDA account holder dies

How long the process takes at MIDFLORIDA: POD beneficiaries and joint account holders can typically access funds upon providing death certificate and ID. Probate-dependent accounts depend on court timelines, which can take several months in Florida. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.

MIDFLORIDA 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 probate required), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

MIDFLORIDA's Death Claims / Help Desk can be reached by phone at 1-866-913-3733 for questions throughout the claims process.

If the deceased held multiple MIDFLORIDA accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Help Desk can confirm which accounts require individual attention and which can be processed together.