What to do when a Quorum FCU account holder dies
Report the death to Quorum FCU at 1-800-874-5544
When a member of Quorum FCU passes away, Quorum FCU 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 the institution. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
To file a claim after an account holder's death, here is what Quorum FCU requires:
Filing a claim
Required Documents
- Executor or administrator's valid ID, to open a Probate Express estate account
- Certified copy of the death certificate, to open a Probate Express estate account
- Letters Testamentary or Letters of Administration, to open a Probate Express estate accountFor co-independent executors, the letters must state that each executor can act independently.
- IRS EIN letter for the estate, to open a Probate Express estate account
What happens to each kind of account4
- Joint account with survivorship
All funds in a joint account are owned jointly with a right of survivorship, which cannot be changed by a will.1
- Payable-on-death account
On the death of the owner, or the last surviving owner, the balance of a payable-on-death (Totten trust) account is paid to the living beneficiaries equally. If no beneficiary is living, it is paid to the estate of the survivor.1
- Certificate of deposit
No early-withdrawal penalty applies to a term (certificate) account when the withdrawal follows the death of the primary owner.1
What Quorum FCU's agreement and guidance say1
- Debts owed to the institution
Quorum's statutory lien allows it to charge any account balance, including jointly owned accounts, for a debt owed to Quorum by a member or joint owner, including a deceased joint owner.1
Not in Quorum FCU's published guidance2
- A procedure for reporting a death
- A claim form
Sources3
- 1.Truth-in-Savings Disclosure, Effective August 10, 2026
- 2.Probate Express online estate account
- 3.Probate Express FAQ
Sources
Data sourced from Quorum FCU primary sources (20 pages reviewed). How we research.
Quorum FCU death claims support
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Death notifications go through general customer service.
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