What to do when a PenAir account holder dies
Contact PenAir — 5-step process, 5 required documents, and pod and joint accounts: typically processed upon verification of documents. estate accounts requiring probate: varies by state court timelines.
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Local
Mortgage Department
Wealth Management
Health Savings Accounts
WebsiteLearn more→
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Local
Mortgage Department
Wealth Management
Health Savings Accounts
WebsiteLearn more→
Member Services
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Verified Apr 2026
When a PenAir member passes away, the 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.
To start, call PenAir at 877-473-6247. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
The death claim process at PenAir works as follows:
Filing a claim
1
Contact PenAir Member Services at 877-473-6247 (toll-free) or 850-505-3200, or visit any branch to report the death of a member
2
Gather required documents based on account type
3
Follow the process for the applicable 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 deceased from account
- For non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
- For IRA accounts: designated beneficiary provides certified death certificate and government-issued photo ID; distribution options depend on beneficiary type and relationship
4
PenAir reviews documentation and distributes assets per beneficiary designation or estate instructions
5
Surviving family members should review and update their own beneficiary designations
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant (beneficiary, surviving joint owner, or personal representative)
- Letters Testamentary or Letters of Administration (if no POD/joint account designation)
- Small Estate Affidavit (if estate qualifies under applicable state law)
- Trust documents and trustee ID (if trust is named as beneficiary)
PenAir serves members in Florida, Alabama, and Virginia, so estate settlement procedures may vary by state. Florida and Alabama follow standard probate processes. Contact Member Services at 877-473-6247 for guidance specific to your situation. For mortgage-related death claims, contact the Mortgage Department at 850-505-3200 ext. 8360 or mortgageteam@penair.org.
Expected timelines at PenAir: POD and joint accounts: typically processed upon verification of documents. Estate accounts requiring probate: varies by state court timelines. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
PenAir requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant (beneficiary, surviving joint owner, or personal representative), and Letters Testamentary or Letters of Administration (if no POD/joint account designation), 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
To update beneficiaries, call PenAir at 877-473-6247, visit any branch, or schedule a video appointment at penair.org/appointments. Have your account number and each beneficiary's full name, date of birth, Social Security number, and contact information ready. POD (Payable on Death) designations are available for deposit accounts (checking, savings, money market, CDs). IRA beneficiary designations are handled separately from deposit account POD designations. Online self-service beneficiary updates are not available through digital banking.
PenAir's Member Services can be reached by phone at 877-473-6247 for questions throughout the claims process.
If the deceased held multiple PenAir accounts, each may require a separate claim or have different documentation requirements. The Member Services can confirm which accounts require individual attention and which can be processed together.
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Local
Mortgage Department
Wealth Management
Health Savings Accounts
WebsiteLearn more→
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Local
Mortgage Department
Wealth Management
Health Savings Accounts
WebsiteLearn more→
Member Services
Phone877-473-6247
Mailing Address
PenAir Credit Union, Attn: Member Services, 1495 E. Nine Mile Road, Pensacola, FL 32514
Verified Apr 2026
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