What to do when a Redstone FCU account holder dies
Contact Redstone FCU — 5-step process, 6 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Member Services
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online→
Verified Apr 2026
When a Redstone FCU 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.
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
To file a claim after an account holder's death, here is what Redstone FCU requires:
Filing a claim
1
Contact Redstone Member Services at 800-234-1234 or visit any branch to report the death
2
Request the Survivor's Guide (available at any branch or for download from redfcu.org)
3
Gather required documents based on 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
- For non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
4
Process the estate accounts:
- Only estate representative(s) may be named on estate accounts
- No joint owners or beneficiaries may be added to estate accounts
5
Surviving 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.
Expected timelines at Redstone FCU: 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 Redstone FCU includes Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if no POD/joint account), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
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.
Yes. Redstone deposit accounts — including checking, savings, money market accounts, and share certificates — support Payable on Death (POD) designations, and a revocable living trust can be named as the POD beneficiary. IRA accounts (Traditional, Roth, and IRA Certificates) can also name a trust as the beneficiary, though the IRA itself cannot be retitled into the trust. For investment accounts held through LPL Financial, a trust can be named as the Transfer on Death (TOD) beneficiary or the account can be retitled to a trust. Contact Redstone Wealth Management at 256-722-8351 for investment account trust arrangements. Deposit account POD designations require a branch visit, mail request, or phone call to 800-234-1234.
Redstone FCU's Member Services 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 Member Services can confirm which accounts require individual attention and which can be processed together.
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteLearn more→
Member Services
Phone256-837-6110
Toll-Free1-800-234-1234
Emailinfo@redfcu.org
Fax256-722-3655
Mailing Address
Redstone Federal Credit Union, 220 Wynn Drive, Huntsville, AL 35893-0001
WebsiteNotify online→
Verified Apr 2026
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