What to do when a Nusenda CU account holder dies
Contact Nusenda CU — 8-step process, 5 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Phone1-505-889-7755
Toll-Free1-800-347-2838
Emailinfo@nusenda.org
Mailing Address
Nusenda Credit Union, P.O. Box 8530, Albuquerque, NM 87198
Automated Credit Card Payments
Collections
Member Solutions
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Phone1-505-889-7755
Toll-Free1-800-347-2838
Emailinfo@nusenda.org
Mailing Address
Nusenda Credit Union, P.O. Box 8530, Albuquerque, NM 87198
Automated Credit Card Payments
Collections
Member Solutions
WebsiteLearn more →
Death Claims / Member Services
Phone(505) 889-7755
Toll-Free(800) 347-2838
Mailing Address
Nusenda Credit Union, PO Box 8530, Albuquerque, NM 87198-8530
Verified Mar 2026
When a Nusenda CU member passes away, the Death Claims / Member Services 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 claim process begins with a phone call to (505) 889-7755. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at Nusenda CU:
Filing a claim
1Contact Nusenda Member Services at (505) 889-7755 or (800) 347-2838 (Monday-Friday 7:30am-6pm, Saturday 8am-3pm MT), or visit any branch to report the death
2Provide a certified copy of the death certificate
3For POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
4For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove the deceased
5For accounts without POD or joint ownership: executor or administrator provides Letters Testamentary or Letters of Administration from the probate court
6For investment accounts held through LPL Financial: a separate claims process may apply through Nusenda Investment Services
7Nusenda Investment Services provides an estate management checklist at https://investments.nusenda.org/resource-center/estate/estate-management-checklist
8Surviving family members should update their own beneficiary designations
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD or joint account)
- Small Estate Affidavit (if estate qualifies under New Mexico or Texas law)
- Trust documents (if trust is named as beneficiary)
Nusenda Investment Services provides estate management resources at https://investments.nusenda.org/estate-planning including checklists for when a spouse or parent passes, covering reaching out to financial and insurance professionals, learning about tax implications from inherited assets, and coordinating with legal professionals. Investment account claims through LPL Financial may follow a separate process.
Processing timelines at Nusenda CU: POD and joint accounts processed upon verification of documents; estate accounts vary 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.
Nusenda CU 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 no POD or joint account), 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
Visit any Nusenda branch with government-issued photo ID or call Member Services at (505) 889-7755 or (800) 347-2838 (Monday-Friday 7:30am-6pm, Saturday 8am-3pm MT). For deposit accounts, complete a Payable on Death (POD) beneficiary designation form. For IRA accounts, complete a separate beneficiary designation form. Investment account beneficiaries are managed through LPL Financial. Nusenda recommends reviewing beneficiary designations after major life events such as marriage, divorce, or the birth of a child.
For POD accounts, designated beneficiaries receive the funds upon presenting a certified death certificate and government-issued photo ID. For joint accounts with right of survivorship, the surviving owner continues to have full access after providing a death certificate. For accounts without POD or joint ownership, the estate representative must provide Letters Testamentary or Letters of Administration from the probate court. Contact Member Services at (505) 889-7755 or (800) 347-2838 to report a death.
A trust is created by executing a legal document called a trust agreement, which names the beneficiary and trustee and contains instructions about what benefits the beneficiary will receive and what the trustee's duties are. Trusts can help manage assets, control how assets are distributed after death, and plan for incapacity. Nusenda allows deposit accounts to be titled in the name of a revocable living trust. Investment trust accounts are managed through LPL Financial.
Nusenda CU's Death Claims / Member Services can be reached by phone at (800) 347-2838 for questions throughout the claims process.
If the deceased held multiple Nusenda CU accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Member Services can confirm which accounts require individual attention and which can be processed together.
Phone1-505-889-7755
Toll-Free1-800-347-2838
Emailinfo@nusenda.org
Mailing Address
Nusenda Credit Union, P.O. Box 8530, Albuquerque, NM 87198
Automated Credit Card Payments
Collections
Member Solutions
WebsiteLearn more →
Phone1-505-889-7755
Toll-Free1-800-347-2838
Emailinfo@nusenda.org
Mailing Address
Nusenda Credit Union, P.O. Box 8530, Albuquerque, NM 87198
Automated Credit Card Payments
Collections
Member Solutions
WebsiteLearn more →
Death Claims / Member Services
Phone(505) 889-7755
Toll-Free(800) 347-2838
Mailing Address
Nusenda Credit Union, PO Box 8530, Albuquerque, NM 87198-8530
Verified Mar 2026
Tools for settling a Nusenda CU estate
Calculators and checklists to help navigate estate settlement after a Nusenda CU account holder passes away.
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