What to do when a VACU account holder dies

How long the process takes at VACU: POD beneficiaries and joint account holders can typically access funds upon providing death certificate and ID. For accounts requiring court qualification, VACU requests documentation within 60 days. Probate-dependent accounts depend on Virginia court timelines. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.

VACU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant, and Court Qualification papers (Letters Testamentary or Letters of Administration) if no POD beneficiary 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.

VACU's Deceased Member Accounts can be reached by phone at 804-323-6800 ext. 1702, option 2 and fax at (804) 718-6906 for questions throughout the claims process.

When the deceased had multiple VACU accounts, some may need separate claims while others can be handled together. The Deceased Member Accounts can clarify what's needed for each account type.