What to do when a Sikorsky CU account holder dies
Report the death to Sikorsky CU at 1-888-753-5553
After a member of Sikorsky CU dies, Sikorsky CU manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
To start, call Sikorsky CU. Have the account holder's full name, account numbers, and the death certificate ready before you call.
Death claim process
Here is the step-by-step death claim process at Sikorsky CU:
Filing a claim
Required Documents
- Court order or decree appointing the fiduciary, if a court-appointed fiduciary manages the account and the credit union requires itThe credit union may require a certified copy (Member Share Account Contract, section G.1).
What happens to each kind of account4
- Joint account with survivorship
An account of two or more individuals is a joint account with right of survivorship. After the death of one owner, the credit union can pay any money in the account to any surviving owner (section A.5).1
- Payable-on-death account
The account belongs to the named beneficiaries who are alive at the owner's death, in equal shares. On a joint payable-on-death account, surviving owners keep full ownership until the last owner dies (section E).1
- Certificate of deposit
Share certificates, including IRA share certificates, may be withdrawn before maturity without penalty on the owner's death (section B.9.g).1
- Fiduciary account
A fiduciary appointed by a court manages an account as a fiduciary. The credit union may require a certified copy of the court order or decree appointing the fiduciary (section G.1).1
What Sikorsky CU's agreement and guidance say1
- Dormant and unclaimed accounts
The fee schedule dated September 18, 2026 lists an inactive account fee of $5.00 per month after one year with a balance of $100 or less. Members 18 and under and Simple Checking are excluded.2
Not in Sikorsky CU's published guidance2
- A procedure for reporting a death
- A claim form
Sources2
- 1.Member Share Account Contract
- 2.Schedule of Fees, dated September 18, 2026
Sources
Data sourced from Sikorsky CU primary sources (41 pages reviewed). How we research.
Sikorsky CU death claims support
Member Solutions Department
Phone
Toll-free
Automated Phone Banking
Automated Phone Banking (toll-free)
Lost or stolen ATM/debit card
Lost or stolen Visa credit card
Lost or stolen Visa credit card, outside the U.S.
Credit card payments (Card Services)
Fax for electronic fund transfer error notices
Hours
Mailing address
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your Sikorsky CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
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Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
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Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
