What to do when a MSUFCU account holder dies

Processing timelines at MSUFCU: POD and joint accounts typically processed within 5-10 business days upon verification of documentation. Estate accounts vary depending on probate court timelines. MSUFCU may honor checks or accept payments drawn until 10 days after learning of the death.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

MSUFCU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant (beneficiary, trustee, or personal representative), and Letters of Personal Representative issued by probate court (if no POD, trust, 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.

MSUFCU's Specialty and Support Services can be reached by phone at 1-800-678-4968 for questions throughout the claims process.

If the deceased held multiple MSUFCU accounts, each may require a separate claim or have different documentation requirements. The Members Trust Company can confirm which accounts require individual attention and which can be processed together.