What to do when a Nusenda CU account holder dies
Contact Nusenda CU — 5-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
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 May 2026
After a Nusenda CU member dies, the Death Claims / Member Services manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
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
Follow these steps to file a death claim with Nusenda CU:
Filing a claim
1
Contact 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
2
Provide a certified copy of the death certificate
3
Follow the claim process for your account type:
- For POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
- For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove the deceased
- For accounts without POD or joint ownership: executor or administrator provides Letters Testamentary or Letters of Administration from the probate court
- For investment accounts held through LPL Financial: a separate claims process may apply through Nusenda Investment Services
4
Nusenda Investment Services provides an estate management checklist at https://investments.nusenda.org/resource-center/estate/estate-management-checklist
5
Surviving 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.
Expected timelines at Nusenda CU: POD and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Nusenda CU includes Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if no POD or joint account), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
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.
New Mexico's small estate affidavit procedure under NMSA 1978, Section 45-3-1201 allows the successors of a decedent to collect personal property -- including credit union accounts -- without opening a probate case when the total value of the decedent's personal property (excluding real estate, liens, and encumbrances) does not exceed $50,000. The affidavit may be presented to Nusenda no earlier than 30 days after the decedent's death, must state that no application or petition for the appointment of a personal representative is pending or has been granted, and must be accompanied by a certified copy of the death certificate. Texas members should follow Chapter 205 of the Texas Estates Code, which permits a small estate affidavit for estates of $75,000 or less (excluding the homestead and exempt property).
Nusenda CU's Death Claims / Member Services can be reached by phone at (800) 347-2838 for questions throughout the claims process.
When the deceased had multiple Nusenda CU accounts, some may need separate claims while others can be handled together. The Death Claims / Member Services can clarify what's needed for each account type.
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 May 2026
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