What to do when a Town & Country FCU account holder dies

Processing timelines at Town & Country FCU: Joint accounts transfer immediately. POD and IRA beneficiary accounts are typically processed within 5-10 business days after receipt of all required documents. Estate accounts requiring probate documentation may take 30-90 days depending on court processing. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.

Town & Country FCU requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for each beneficiary, executor, or trustee, and Letters Testamentary or Letters of Administration (when account has no POD designation or joint owner), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.

Town & Country FCU's Member Services (Death Claims) can be reached by phone at 1-800-649-3495, email at info@tcfcu.com, and fax at (207) 772-3624 for questions throughout the claims process.

When the deceased had multiple Town & Country FCU accounts, some may need separate claims while others can be handled together. The Member Services (Death Claims) can clarify what's needed for each account type.