What to do when a Travis CU account holder dies
Contact Travis CU's Travis Credit Union Member Services — 6-step process, 5 required documents, and varies based on account type and documentation; pod and joint account claims are typically processed faster than probate estates
Travis Credit Union Member Services
Phone(707) 449-4000
Mailing Address
Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696
Toll-Free
Call 24 Automated Phone Banking
WebsiteLearn more→
Travis Credit Union Member Services
Phone(707) 449-4000
EmailMSAdmin@Traviscu.org
Fax(707) 469-1951
Mailing Address
Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696
Toll-Free
Verified Apr 2026
The Travis Credit Union Member Services at Travis 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.
To start a claim, contact Travis CU by phone at (707) 449-4000 or email documentation to MSAdmin@Traviscu.org. You will need the account holder's full name, account numbers, and a certified death certificate.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Travis CU:
Filing a claim
1
Notify Travis Credit Union of the member's death:
- Call (707) 449-4000 or (800) 877-8328 (Monday-Friday 8am-6pm PT, Saturday 9am-4pm)
- Email MSAdmin@Traviscu.org
- Fax (707) 469-1951
- Or visit a local branch
2
Provide the deceased member's name, address, and date of birth
3
Submit a certified copy of the death certificate
4
Choose the appropriate settlement path based on account type:
- For POD accounts: named beneficiary provides death certificate and valid government-issued ID to claim funds
- For joint accounts with survivorship: ownership passes automatically to surviving owner(s)
- For non-POD individual accounts: executor or administrator provides Letters Testamentary or Letters of Administration from probate court
- For small estates (under California threshold): complete the California Probate Code Section 13101 Small Estate Affidavit (form available from Travis CU)
- For IRA accounts: beneficiary provides death certificate and completes distribution paperwork
- For trust accounts: provide trust documentation and successor trustee identification
5
Complete any required claim forms provided by the credit union
6
For investment accounts through Travis Wealth Management, contact LPL Financial separately
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary or authorized representative
- Letters Testamentary or Letters of Administration (for probate estates)
- Trust documentation (if account was held in trust)
- California Probate Code 13101 Small Estate Affidavit (if applicable)
Travis Credit Union provides a dedicated resource page for navigating account matters after a loss at https://www.traviscu.org/personal/navigating-the-next-steps-after-a-loss/. The credit union offers downloadable legal forms including: Authorization to Transfer or Forward Funds, Declaration for Collection of Personal Property Without Administration, Probate Code Section 3401 and Section 13101 declarations, and Qualified Disclaimer of Beneficiary Rights. Estates exceeding $208,850 require an Executor/Administrator Estate Account with court-issued Letters. Upon notification, TCU will lock all affected accounts, close debit/ATM/credit cards, cancel pre-authorized transfers, and disable online banking access. Required documents are typically mailed within 45 days, though expedited processing may be requested.
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower’s revocable trust.
1
Notify Travis Credit Union of the borrower's death:
- Call (707) 449-4000 or (800) 877-8328 or visit a local branch
- Provide the deceased borrower's full legal name and loan number
2
Submit a certified copy of the death certificate
3
Establish your legal interest:
- Provide documentation proving your ownership interest: probated will, court order, recorded deed, or trust document naming you as successor trustee or beneficiary
- Travis CU will review your documentation and confirm your status
4
Once confirmed, discuss options: continue making payments, apply for loan assumption, refinance, or pay off the balance
5
Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Documentation proving ownership interest in the property (probated will, court order, recorded deed, or trust document)
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Travis Credit Union cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust.
How long the process takes at Travis CU: Varies based on account type and documentation; POD and joint account claims are typically processed faster than probate estates. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Travis CU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for beneficiary or authorized representative, and Letters Testamentary or Letters of Administration (for probate estates), 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
Yes. Travis Credit Union provides a California Probate Code Section 13101 Small Estate Affidavit form for qualifying estates. Under California law, if the total value of the decedent's estate is below the statutory threshold ($208,850), heirs may be able to collect funds without full probate proceedings. A certified death certificate must be attached to the affidavit. The form is available as a downloadable PDF from the credit union's website or at any branch.
Upon notification of a member's death, Travis Credit Union locks all affected accounts, closes debit/ATM/credit cards, cancels pre-authorized transfers, and disables online banking access. Settlement depends on how the account was titled: POD-designated accounts pass directly to the named beneficiary, joint accounts with survivorship pass to the surviving owner, and individual accounts without a POD designation require probate or a small estate affidavit. Notification can be made by phone at (800) 877-8328, email at MSAdmin@Traviscu.org, fax at (707) 469-1951, or in person at any branch.
Travis CU's Travis Credit Union Member Services can be reached by phone at (707) 449-4000, email at MSAdmin@Traviscu.org, and fax at (707) 469-1951 for questions throughout the claims process.
Multiple Travis CU accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Travis Credit Union Member Services to confirm what applies.
Travis Credit Union Member Services
Phone(707) 449-4000
Mailing Address
Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696
Toll-Free
Call 24 Automated Phone Banking
WebsiteLearn more→
Travis Credit Union Member Services
Phone(707) 449-4000
EmailMSAdmin@Traviscu.org
Fax(707) 469-1951
Mailing Address
Travis Credit Union, P.O. Box 2069, Vacaville, CA 95696
Toll-Free
Verified Apr 2026
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