What to do when a Service CU account holder dies
Report the death to Service CU's Inheritor Services at 1-800-936-7730 ext. 2255
The Inheritor Services at Service CU 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.
The claim process can be initiated by phone at 1-800-936-7730 ext. 2255 or by sending documentation to inheritorservices@servicecu.org. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
Here is the step-by-step death claim process at Service CU:
Filing a claim
- A photocopy of the death certificate
- A Report of Casualty, if applicable
- Executor information or a Certificate of Appointment, if applicable
- Complete the Estate Account Application, which asks for the estate name, mailing address and EIN, and the executor or administrator's identification
- Send it with the supporting court orders naming the executor or administrator by fax, email, or mail to Service Federal Credit Union, Attention: Inheritor Services, PO Box 1268, Portsmouth, NH 03802
Required Documents
- Death certificateService CU asks for a photocopy.
- Report of Casualty, if applicable
- Executor information or Certificate of Appointment, if applicable
- Estate Account Application, to open an estate accountIt asks for the estate name, mailing address and EIN, and the executor or administrator's identification.
- Court orders naming the executor or administrator, to open an estate account
Forms Service CU issues1
What happens to each kind of account2
- Joint account with survivorship
In many cases Service CU can update the account to remove the deceased member and make the surviving joint owner the primary owner.3
- Account in one name
Under the Bylaws, the share account of a deceased member, other than one held in joint tenancy with another member, may be continued until the close of the dividend period in which administration of the estate is completed.4
Accounts handled elsewhere1
- Service CU Real Estate Department
A mortgage on which you are a co-borrower3
Phone: 1-800-619-6575
What Service CU's agreement and guidance say2
- What it does when notified
The deceased member's cards are deactivated. A joint member can keep using their debit and credit cards until the account is closed.3
- What it says about taxes
Service CU asks that a deceased member's accounts be closed as soon as possible to avoid IRS tax-filing complications.3
Not in Service CU's published guidance1
- How long a claim takes
Sources4
Service CU's Inheritor Services can be reached by phone at 1-800-936-7730 ext. 2255, email at inheritorservices@servicecu.org, and fax at 1-603-430-6559 for questions throughout the claims process.
Sources
Data sourced from Service CU primary sources (25 pages reviewed). How we research.
Service CU death claims support
Inheritor Services
International
Fax
Mailing address
Website
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