What to do when a Philadelphia FCU account holder dies
Contact Philadelphia FCU — 5-step process, 7 required documents, and pfcu does not publish a claims turnaround. what the membership and account agreement does fix is the ten-day window after death during which it may continue to pay checks or drafts drawn on the deceased member's account absent a stop-payment instruction from someone claiming an interest. surviving joint owners are generally the fastest path, since a pfcu joint account carries rights of survivorship by default. estate accounts wait on the register of wills issuing the short certificate.
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
Phone Banking
WebsiteLearn more→
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
Phone Banking
WebsiteLearn more→
Member Services (Death Claims and Estate Accounts)
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, Attn: Member Services, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
WebsiteNotify online→
Verified Jul 2026
The Member Services (Death Claims and Estate Accounts) at Philadelphia FCU 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.
Death claims at Philadelphia FCU can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Follow these steps to file a death claim with Philadelphia FCU:
Filing a claim
1
Give PFCU written notice of the death as early as you can, at (215) 934-3500 / (800) 832-7328, Service@pfcu.com, or any branch:
- Section 31 of PFCU's Membership and Account Agreement ("Death or Incompetence") lets the Credit Union honor transfers, withdrawals, deposits, and other transactions until it KNOWS of the member's death. Until you tell them, activity on the account is authorized
- Even after PFCU knows of the death, the same section lets it keep paying checks or drafts drawn on the deceased member's account for TEN DAYS after death, unless a person claiming an interest in the account instructs it to stop payment
- That ten-day window is the executor's action item. If outstanding checks should not clear, put the stop-payment instruction in writing rather than relying on the death notice alone
2
Bring a certified death certificate and your own government-issued photo ID, then settle by account type:
- JOINT ACCOUNTS: PFCU's agreement makes a joint account carry rights of survivorship by default unless the Account Card or the online application says otherwise, so the funds pass to the surviving owner. Where a joint account was set up WITHOUT survivorship, the deceased owner's interest passes to their estate instead
- POD / TRUST-BENEFICIARY ACCOUNTS: funds pass to the surviving beneficiaries once the last owner has died. Multiple beneficiaries take in EQUAL shares without rights of survivorship
- NO JOINT OWNER AND NO POD: the account passes to the estate, and PFCU will look for the personal representative's authority (in Pennsylvania, the Short Certificate issued by the county Register of Wills)
- IRAs: settled on the IRA beneficiary designation, not on any POD
3
Expect two things PFCU's agreement expressly reserves the right to do:
- INDEMNIFICATION: Section 31 states that, to the extent the law permits, PFCU "may require anyone claiming funds from a deceased owner's account to indemnify us for any losses we sustain if we honor that claim." A claimant may be asked to sign an indemnity agreement before funds are released
- STATUTORY LIEN AND OFFSET: sections 2 and 3 subject the account, including a surviving joint owner's interest, to PFCU's statutory lien for the deceased owner's obligations and to any security interest or pledge the deceased granted, even if the surviving owner never consented. If the member died owing PFCU on a loan or credit card, expect PFCU to look to the shares
4
Open an Estate Account at a PFCU branch if you are administering the estate:
- PFCU offers a dedicated Estate Account for an executor or administrator to pay bills and taxes, settle debts, and distribute assets
- Bring the Short Certificate (or Letters of Administration), the death certificate, your photo ID, and the estate's EIN
5
Handle the Pennsylvania inheritance tax separately. It is not a PFCU hold, and PFCU does not collect it:
- Pennsylvania has no estate tax but does levy an INHERITANCE tax on what beneficiaries receive, including POD accounts and a decedent's share of a joint account. Rates per the PA Department of Revenue: 0 percent to a surviving spouse (and to a parent taking from a child 21 or under), 4.5 percent to lineal descendants, 12 percent to siblings, and 15 percent to everyone else
- The tax is due at death and becomes delinquent nine months after death. Paying within three months of death earns a 5 percent discount, so beneficiaries of a POD account often want to pay early even before the estate is wound up
- Pennsylvania puts a NOTICE duty on the credit union, not a waiver requirement on you: 72 P.S. 9147 (Duties of Depositories) requires a financial institution to notify the Department of Revenue within ten days of learning of the death of a party to a non-spousal joint or in-trust-for deposit over $300. PFCU files that notice. Pennsylvania does not run a bank-account tax-waiver release system of the kind New Jersey uses
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the person claiming (surviving joint owner, POD beneficiary, executor, or administrator)
- Short Certificate from the Pennsylvania county Register of Wills, if an executor was named in the will (this is Pennsylvania's form of Letters Testamentary)
- Letters of Administration, if there is no will and the court appointed an administrator
- Estate EIN and the Short Certificate, to open a PFCU Estate Account
- A signed indemnity agreement, if PFCU requires one before honoring a claim (Membership and Account Agreement, section 31)
- Written stop-payment instruction, if outstanding checks should not be paid during the ten-day post-death window
What to know at this institution
There is no separate PFCU death-claims department or claim form: death notification runs through Member Services at (215) 934-3500 / (800) 832-7328 or Service@pfcu.com, and the substantive rules live in PFCU's Membership Agreement and Disclosures rather than on a claims page. The three provisions that actually change an executor's behavior are all in section 31 and sections 2-3 of that agreement: (1) PFCU may keep paying checks and drafts on the deceased member's account for ten days after death unless someone claiming an interest instructs it to stop payment, so a notification alone does not freeze outstanding checks; (2) PFCU may require anyone claiming funds from a deceased owner's account to indemnify it against losses before it honors the claim; and (3) PFCU's statutory lien reaches the account for the deceased owner's debts, and it reaches a surviving joint owner's interest too, even if that survivor never consented to the deceased's pledge. On the Pennsylvania inheritance tax: PFCU is not a collection agent and will not hold the account for a tax waiver. Pennsylvania's statute instead makes the credit union notify the Department of Revenue within ten days on non-spousal joint and in-trust-for deposits over $300 (72 P.S. 9147). The tax itself is the beneficiary's to pay, with a 5 percent discount for paying within three months of death.
How long the process takes at Philadelphia FCU: PFCU does not publish a claims turnaround. What the Membership and Account Agreement does fix is the ten-day window after death during which it may continue to pay checks or drafts drawn on the deceased member's account absent a stop-payment instruction from someone claiming an interest. Surviving joint owners are generally the fastest path, since a PFCU joint account carries rights of survivorship by default. Estate accounts wait on the Register of Wills issuing the Short Certificate. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Philadelphia FCU includes Certified copy of the death certificate, Government-issued photo ID for the person claiming (surviving joint owner, POD beneficiary, executor, or administrator), and Short Certificate from the Pennsylvania county Register of Wills, if an executor was named in the will (this is Pennsylvania's form of Letters Testamentary), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Not entirely, and this catches executors out. Section 31 of PFCU's Membership and Account Agreement ("Death or Incompetence") says PFCU may honor transactions until it KNOWS of the member's death, and that even WITH that knowledge it may continue to pay checks or drafts drawn on the deceased member's account for ten days after death, unless it receives instructions from a person claiming an interest in the account to stop payment. So notifying PFCU of the death does not by itself stop outstanding checks. If checks are in circulation that should not clear, give PFCU a written stop-payment instruction at the same time you report the death, at (215) 934-3500 or Service@pfcu.com.
It may. Section 31 of the Membership and Account Agreement reserves the right, to the extent the law permits, to "require anyone claiming funds from a deceased owner's account to indemnify us for any losses we sustain if we honor that claim." In practice a credit union invokes this where the paperwork leaves it exposed, for example a small estate being paid out without a Short Certificate, or a disputed claim. There is a second exposure worth knowing about: sections 2 and 3 subject the account to PFCU's statutory lien for the deceased owner's obligations, and that lien reaches a surviving joint owner's interest even if the survivor never consented to the deceased member's pledge. If the member died owing PFCU on a loan or credit card, the shares are not untouchable.
No. Pennsylvania does not run a bank-account tax-waiver release system of the kind New Jersey uses, and nothing in PFCU's Membership Agreement conditions release on one. Pennsylvania instead puts a NOTICE duty on the credit union: 72 P.S. 9147 (Duties of Depositories) requires a financial institution to notify the Department of Revenue within ten days of learning that a party to a non-spousal joint deposit, or an in-trust-for deposit, has died, where the deposit exceeds $300. PFCU files that notice. The tax is still owed by whoever inherits: Pennsylvania charges 0 percent to a surviving spouse, 4.5 percent to children and other lineal descendants, 12 percent to siblings, and 15 percent to everyone else, and it applies to POD accounts and to a decedent's share of a joint account. It becomes delinquent nine months after death, but paying within three months earns a 5 percent discount.
Generally no. Section 4 of PFCU's Membership and Account Agreement provides that where there is more than one surviving POD or trust beneficiary, they own the funds jointly in EQUAL shares without rights of survivorship, unless state law provides for different ownership or PFCU permits and documents otherwise. A POD at PFCU is therefore a blunt instrument: it is an even split among whoever survives you. If you need uneven shares, staged distributions, or a contingent plan if a beneficiary dies before you, that belongs in a revocable trust or a will rather than on the account card. Also note the POD only pays out when the LAST account owner dies, so on a joint account the POD beneficiary takes nothing while a joint owner is still living, and PFCU is not obligated to tell your beneficiaries the account exists.
Your deposit accounts yes, your IRA no. PFCU offers a Trust Account, opened in branch, that may hold all share accounts (savings, checking, money market, certificates) but cannot hold IRAs, HSAs, or loans, and a trust will not be granted loans. The trustor opening the account must themselves be eligible for PFCU membership. Bring a copy of the trust agreement and government-issued photo ID for all trustees. The IRA exclusion is not just an account-opening rule: section 4 of the Membership and Account Agreement states that a POD or trust beneficiary/payee designation "shall not apply to Individual Retirement Accounts (IRAs)." To route an IRA into your trust at death you name the trust on the IRA's own beneficiary designation, which has real tax consequences for the payout period and is worth confirming with a tax advisor first. PFCU also offers Estate Accounts, IOLTA accounts, and custodial accounts under the Pennsylvania Uniform Transfers to Minors Act.
Philadelphia FCU's Member Services (Death Claims and Estate Accounts) can be reached by phone at 1-215-934-3500 and email at Service@pfcu.com for questions throughout the claims process.
Multiple Philadelphia FCU accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Member Services (Death Claims and Estate Accounts) to confirm what applies.
Sources
Data sourced from Philadelphia FCU primary sources (36 pages reviewed). How we research.
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
Phone Banking
WebsiteLearn more→
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
Phone Banking
WebsiteLearn more→
Member Services (Death Claims and Estate Accounts)
Phone1-215-934-3500
EmailService@pfcu.com
Mailing Address
Philadelphia Federal Credit Union, Attn: Member Services, 12800 Townsend Road, Philadelphia, PA 19154
Toll-Free (outside Philadelphia)
WebsiteNotify online→
Verified Jul 2026
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