What to do when a Navigant CU account holder dies
Report the death to Navigant CU at 1-401-233-4700
The NCU Investment Solutions at Navigant 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.
The first step is contacting Navigant CU at 1-401-233-4337 with the account holder's full name, account numbers, and the death certificate in hand.
Death claim process
To file a claim after an account holder's death, here is what Navigant CU requires:
Filing a claim
Required Documents
- Documentation satisfactory to Navigant, from surviving joint owners, before the remaining funds in a joint account are releasedThe account agreement allows Navigant to require it.
- Court order appointing the executor, administrator or conservator, for a fiduciary account
What happens to each kind of account4
- Joint account with survivorship
Navigant presumes every joint account is a joint tenancy with right of survivorship, not a tenancy in common. The balance is owned by the surviving joint owners.1
Navigant may require the surviving owners to provide documentation satisfactory to it before releasing the remaining funds.1
- Payable-on-death account
The funds in a payable-on-death or Totten Trust account are owned by the beneficiary or, if more than one, in equal shares by the beneficiaries then living, and are not governed by the will.1
Navigant may pay equal shares, or issue one check in the name of all living beneficiaries and give it to any one of them.1
- Trust account
For a formal trust account, the agreement asks for the name and residential address of any successor trustee designated in the trust instrument when the account is opened.1
- Fiduciary account
Accounts may be opened and maintained by executors, administrators or conservators under court orders. Navigant is not responsible for the actions of a fiduciary, including the misuse of funds.1
What Navigant CU's agreement and guidance say3
- What it does when notified
Navigant may continue to honor the deceased owner's checks, items and instructions until it knows of the death and has had a reasonable opportunity to act on that knowledge.1
- Payments after the death
Navigant may pay or certify checks drawn on or before the date of death for up to ten days after the death, unless someone claiming an interest in the account orders it to stop payment.1
- Debts owed to the institution
Payouts from payable-on-death, Totten Trust and joint accounts are each subject to Navigant's right of set off and any applicable security interest.1
Not in Navigant CU's published guidance5
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- How long a claim takes
- Whether the death certificate must be certified
Navigant CU's NCU Investment Solutions can be reached by phone at 1-401-233-4337 and email at operations@ncuinvestments.com for questions throughout the claims process.
Sources
(3)·
Data sourced from Navigant CU primary sources (13 pages reviewed). How we research.
Navigant CU death claims support
Contact Center
Phone
Telephone Banking
Fax
Hours
Mailing address
Website
Death notifications go through general customer service.
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Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
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What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
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A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
