What to do when a Truliant FCU account holder dies
Contact Truliant FCU — 10-step process, 5 required documents, and 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.
Phone1-800-822-0382
Mailing Address
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
WebsiteLearn more →
Phone1-800-822-0382
Mailing Address
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
WebsiteLearn more →
Death Claims
Phone1-800-822-0382
Toll-Free1-800-822-0382
Fax1-336-794-5108
Mailing Address
Truliant Federal Credit Union, 3200 Truliant Way, Winston-Salem, NC 27103
WebsiteNotify online →
Verified Feb 2026
When a Truliant FCU member passes away, the Death Claims 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.
Truliant 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
Here is the step-by-step death claim process at Truliant FCU:
Filing a claim
1Contact Truliant at (800) 822-0382 or visit a local branch as soon as possible after the death
2Provide a certified copy of the death certificate and Letters Testamentary or Letters of Administration
3Truliant reviews account type and ownership structure to determine the distribution path
4Joint accounts: the surviving joint owner continues to use the account normally
5Single owner with POD: Truliant closes the account and distributes funds to the designated beneficiaries
6IRA accounts: beneficiaries are notified and funds are distributed according to the beneficiary designation
7Single owner without POD: accounts are closed and funds transferred to a new Estate account; executor provides Letters Testamentary or Letters of Administration
8Beneficiaries provide government-issued photo ID to claim funds
9For trust beneficiaries: provide trust documents and trustee identification
10Assets are distributed according to the account designation or estate instructions
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for each beneficiary or claimant
- Letters Testamentary or Letters of Administration (when account has no POD designation)
- Complete trust document or Certificate of Trust (when trust is named beneficiary)
- Small estate affidavit (for estates under the applicable state small estate threshold)
Contact Truliant as soon as possible after a death. Loan payment protection claims can be submitted through the online Claims Center at truliantfcu.org/claims-center. Truliant cannot accept a will; they can accept Letters Testamentary or a Certificate of Voluntary Administration. For investment accounts, a separate death claim process applies through LPL Financial; contact Truliant Financial Advisors at (336) 293-2457.
Processing timelines at Truliant 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.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Truliant FCU requires several documents to process a claim, including Certified copy of the death certificate, Government-issued photo ID for each beneficiary or claimant, and Letters Testamentary or Letters of Administration (when account has no POD designation), 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
Call (800) 822-0382 or visit any Truliant branch to request a Payable on Death Account Agreement form or download the Personal Account Change Form from truliantfcu.org. Complete the form with your primary and contingent beneficiary information, have all account owners sign it, and return it to Truliant by visiting a branch, mailing it to P.O. Box 26000, Winston-Salem, NC 27114-6000, or faxing it to (336) 794-5108.
IRA accounts at Truliant are considered Payable on Death (POD) accounts. Beneficiaries are designated at account opening and can be updated at any time. The IRA owner may submit a new beneficiary designation form to update, add, or remove beneficiaries. Call (800) 822-0382 or visit a branch to request the form. Trusts may be named as IRA beneficiaries.
The outcome depends on account ownership. Joint accounts: the surviving owner continues using the account. Single owner with POD: the account is closed and funds are distributed to the designated beneficiaries. IRA accounts: beneficiaries are notified and funds are distributed according to the beneficiary designation. Single owner without POD: accounts are closed and funds are transferred to a new Estate account through the probate process. Contact Truliant at (800) 822-0382 as soon as possible after a death.
If you have payment protection on a Truliant loan and have experienced a qualifying event (such as a death), you can submit a claim through the online Claims Center at truliantfcu.org/claims-center. A TruStage Claims Specialist will review the submission. You may also call (800) 822-0382 or visit a branch for assistance with the claims process.
Truliant FCU's Death Claims can be reached by phone at 1-800-822-0382 and fax at 1-336-794-5108 for questions throughout the claims process.
If the deceased held multiple Truliant FCU accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Phone1-800-822-0382
Mailing Address
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
WebsiteLearn more →
Phone1-800-822-0382
Mailing Address
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
WebsiteLearn more →
Death Claims
Phone1-800-822-0382
Toll-Free1-800-822-0382
Fax1-336-794-5108
Mailing Address
Truliant Federal Credit Union, 3200 Truliant Way, Winston-Salem, NC 27103
WebsiteNotify online →
Verified Feb 2026
Tools for settling a Truliant FCU estate
Calculators and checklists to help navigate estate settlement after a Truliant FCU account holder passes away.
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