What to do when a Numerica account holder dies
Report the death to Numerica at 1-800-433-1837
When a member of Numerica passes away, Numerica 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 first step is contacting Numerica with the account holder's full name, account numbers, and the death certificate in hand.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with Numerica:
Filing a claim
Required Documents
- Letters of Administration or Letters Testamentary, to open an estate accountA certified copy.
- EIN for the estate, to open an estate accountThe guide points to irs.gov, "Apply for an Employer ID Number (EIN)".
- Government-issued picture ID, for a personal representative joining NumericaThe Member Identification form asks for a valid government-issued picture ID and a legible photocopy of government-issued, unexpired ID.
Claims Contact
Website: Online portal →
Forms Numerica issues1
- Member Identification form
Available to download.1
State law on paying a balance without lettersWashington
- Washington
RCW 30A.22.190(2)
Washington law permits a credit union to pay from a deceased member's balance on an affidavit, without letters testamentary or letters of administration.RCW 30A.22.190(2)Verified Oct 3, 2026View source
Limit: $2,500 held at the institution
Paid to: the surviving spouse, next of kin, funeral director, or other creditor who may appear to be entitled thereto
The section permits the payment. It does not require the credit union to make it. The section sets further conditions.
RCW 30A.22.190(1)
Washington law permits a credit union to pay from a deceased member's balance on an affidavit, without letters testamentary or letters of administration.RCW 30A.22.190(1)Verified Oct 3, 2026View source
Limit: The section sets no dollar limit.
Paid to: the surviving spouse (party to a community property agreement with the decedent that reaches the funds)
The section permits the payment. It does not require the credit union to make it. The section sets further conditions.
RCW 11.62.030
Washington law permits a credit union to pay from a deceased member's balance on an affidavit, without letters testamentary or letters of administration.RCW 11.62.030Verified Oct 3, 2026View source
Paid to: surviving spouse or surviving domestic partner
Limit: $1,000 held at the institution
The section permits the payment. It does not require the credit union to make it. The section sets further conditions.
What Numerica's agreement and guidance say2
- Membership
Either the deceased person or the executor, administrator or personal representative must be a Numerica member to open an estate account.2
Membership is open to people who live, work or worship in Washington or North Idaho, and to their family and household members.2
- Dormant and unclaimed accounts
The Schedule of Fees and Charges lists a non-participation/inactivity charge of $6.00 per month after 12 months. Minor accounts, certificates and IRA shares are excluded.3
Not in Numerica's published guidance4
- A procedure for reporting a death
- A claim form
- Whether the death certificate must be certified
- A small-estate procedure
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust.
Claims Contact
Phone: 1-800-223-6527
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Not in Numerica's published guidance3
- A procedure for reporting a death
- A claim form
- A list of required documents
Not in Numerica's published guidance3
- A procedure for reporting a death
- A claim form
- A list of required documents
Sources
Data sourced from Numerica primary sources (30 pages reviewed). How we research.
Numerica death claims support
Member Service Center
Phone
Local number
Website help for screen-reader users
Hours
Mailing address
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your Numerica accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
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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.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
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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.
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