What to do when a Redstone FCU account holder dies
Contact Redstone FCU — 9-step process, 6 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Death Claims
Phone1-800-234-1234
Emailinfo@redfcu.org
Fax(256) 722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online →
Verified Mar 2026
When a Redstone FCU member passes away, the Death Claims 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.
Redstone FCU provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
Here is the step-by-step death claim process at Redstone FCU:
Filing a claim
1Contact Redstone Member Services at 800-234-1234 or visit any branch to report the death
2Request the Survivor's Guide (available at any branch or for download from redfcu.org)
3Gather required documents based on account type
4For POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
5For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove deceased
6For non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
7Only estate representative(s) may be named on estate accounts
8No joint owners or beneficiaries may be added to estate accounts
9Surviving family members should update their own beneficiary designations immediately
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD/joint account)
- Small Estate Affidavit (if estate qualifies under Alabama or Tennessee law)
- Trust documents (if trust is named as beneficiary)
- Marriage certificate or proof of relationship (may be required)
Survivor's Guide available at all branches and for download at redfcu.org/content/dam/rfcu/pdfs/SurvivorsGuide.pdf. Includes comprehensive checklist of documents needed and steps for settling accounts. For investment accounts held through LPL Financial, a separate claims process may apply; contact Redstone Wealth Management at 256-722-8351.
Processing timelines at Redstone FCU: 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.
Redstone FCU 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/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
Funds in POD accounts are payable to the designated beneficiaries upon presentation of a certified death certificate and government-issued photo ID. If multiple POD beneficiaries are designated, funds are divided equally by the number of beneficiaries. Each beneficiary owns their share without right of survivorship among each other.
Yes. Redstone publishes a Survivor's Guide with a comprehensive checklist of documents needed and steps for settling a deceased member's accounts. It covers funeral arrangements, disposition of personal property, Social Security benefits, and organizing financial records. The guide is available at any branch or for download from the website at redfcu.org.
Redstone offers investment services through its Wealth Management division in partnership with LPL Financial. Available products include brokerage accounts, managed advisory accounts, Guided Wealth Portfolios, mutual funds, stocks, bonds, and annuities. Investment accounts can be titled to a trust or have TOD (Transfer on Death) beneficiary designations. Contact Wealth Management at 256-722-8351. These products are not NCUA insured.
Contact Redstone Member Services at 800-234-1234 (Monday-Friday 8 AM - 5:30 PM CT, Saturday 8 AM - 2 PM CT) or visit any branch. You will need a certified death certificate and government-issued photo ID. Request the Survivor's Guide for a complete checklist of steps. For POD accounts, beneficiaries can claim funds directly. For accounts without POD or joint ownership, Letters Testamentary or Letters of Administration from the probate court are required.
Redstone FCU's Death Claims can be reached by phone at 1-800-234-1234, email at info@redfcu.org, and fax at (256) 722-3655 for questions throughout the claims process.
If the deceased held multiple Redstone FCU accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Phone1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893
WebsiteLearn more →
Death Claims
Phone1-800-234-1234
Emailinfo@redfcu.org
Fax(256) 722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online →
Verified Mar 2026
Tools for settling a Redstone FCU estate
Calculators and checklists to help navigate estate settlement after a Redstone FCU account holder passes away.
How Do I Settle an Estate?
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
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How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
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How Much Can an Executor Charge?
Calculate how much an executor (personal representative) can charge for administering an estate. See if your state has statutory fees or uses reasonable compensation.
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How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
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Do I Need Probate?
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
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Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
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