What to do when a Webster First FCU account holder dies
Contact Webster First FCU — 4-step process, 6 required documents, and pod beneficiaries can access funds upon providing required documentation. non-pod accounts depend on probate timeline, which in massachusetts typically takes 12-18 months. massachusetts voluntary administration for a qualifying small estate can begin 30 days after death.
Phone1-800-962-4452
Toll-Free1-800-962-4452
Mailing Address
271 Greenwood Street, Worcester, MA 01607
Telephone Banking (24/7)
Mortgage/Loan Center
Lost/Stolen Debit Card (after hours)
Phone1-800-962-4452
Toll-Free1-800-962-4452
Mailing Address
271 Greenwood Street, Worcester, MA 01607
Telephone Banking (24/7)
Mortgage/Loan Center
Lost/Stolen Debit Card (after hours)
Member Service Center
Phone1-800-962-4452
Mailing Address
Webster First Federal Credit Union, PO Box 70505, Worcester, MA 01607 (correspondence); branch/HQ: 271 Greenwood Street, Worcester, MA 01607
Consumer Loan Dept (deceased borrower)
Mortgage Servicing Dept (deceased borrower)
Verified Jul 2026
When a Webster First FCU member passes away, the Member Service Center 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.
Begin by calling Webster First FCU at 1-800-962-4452. You will need the deceased's full name, account numbers, and a certified death certificate to get the process started.
Death claim process
Here is the step-by-step death claim process at Webster First FCU:
Filing a claim
1
Notify Webster First of the member's passing
- Contact Webster First Federal Credit Union at (800) 962-4452.
- Provide the deceased member's name, account number (if known), and date of death.
- Submit a certified copy of the death certificate.
2
Handle loans of the deceased member
- For consumer loans (auto, personal, credit builder), contact the Consumer Loan Department at (800) 962-4452 Ext 4098 and forward a copy of the death certificate for the file.
- For a mortgage, contact the Mortgage Servicing Department at (800) 962-4452 Ext 4094 and forward a copy of the death certificate for the mortgage file. Successors who inherit or take title through a revocable trust are protected from due-on-sale acceleration under the federal Garn-St. Germain Act (12 U.S.C. 1701j-3).
- If there is a co-signer, they remain obligated for payments.
- If no co-signer, next steps depend on the deceased's arrangements (will, trust, life insurance, etc.).
3
Claim funds based on account type and designation
- POD beneficiaries: Provide a certified copy of the death certificate and valid government-issued photo ID to receive your share of available funds without waiting for probate.
- Joint account holders: The account continues in the surviving joint owner's name; contact Webster First to update account records.
- IRA accounts: The designated beneficiary will be contacted regarding distribution options; provide a certified copy of the death certificate and valid ID.
4
Resolve accounts without beneficiary designations
- A court-appointed legal representative (executor or administrator) must provide Letters Testamentary or Letters of Administration.
- For small estates: Massachusetts allows Voluntary Administration for qualifying small estates -- personal property (which may include one motor vehicle) not exceeding $25,000, available 30 days after death provided no petition for a personal representative has been filed, per M.G.L. c. 190B, § 3-1201. (The pre-2012 chapter 195 procedure was repealed by the Massachusetts Uniform Probate Code, effective 2012.)
- Webster First reviews all documentation and distributes assets per beneficiary designation or estate instructions.
Required Documents
- Certified copy of death certificate
- Valid government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD designation)
- Trust documents (if trust is beneficiary)
- Voluntary Administration statement under M.G.L. c. 190B, § 3-1201 (for qualifying small estates -- personal property not exceeding $25,000)
- Court order or probate documents (if applicable)
What to know at this institution
Member Service Center: (800) 962-4452. Consumer Loan Department (deceased borrower): (800) 962-4452 Ext 4098. Mortgage Servicing Department (deceased borrower): (800) 962-4452 Ext 4094. Written correspondence: Webster First FCU, PO Box 70505, Worcester, MA 01607. Hours: Mon-Wed 8:00 AM - 4:30 PM, Thu 8:00 AM - 6:00 PM, Fri 8:00 AM - 5:00 PM, Sat 8:00 AM - 12:00 PM ET. Joint account holders retain full access to the account upon the death of the other joint owner. IRA beneficiaries are handled separately through the IRA beneficiary designation process. Government benefits (Social Security, VA) received after the date of death are returned to the issuing agency.
Prepare your letter of instruction to Webster First FCU
Webster First FCU accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Webster First FCU's verified claims department, with the documents it requires enclosed.
Build your letter of instructionHow long the process takes at Webster First FCU: POD beneficiaries can access funds upon providing required documentation. Non-POD accounts depend on probate timeline, which in Massachusetts typically takes 12-18 months. Massachusetts Voluntary Administration for a qualifying small estate can begin 30 days after death. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Webster First FCU requires several documents to process a claim, including Certified copy of death certificate, Valid government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if 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
Visit any Webster First branch location or call (800) 962-4452 to request a POD (Payable on Death) beneficiary designation form. Complete the form with primary and contingent beneficiary information including full legal names, dates of birth, Social Security numbers, and relationship to the account holder. All account owners must sign the form. IRA accounts have separate beneficiary designations that must be set up in person at a branch.
Contact Webster First at (800) 962-4452 during business hours to notify them of the member's passing. You will need to provide a certified copy of the death certificate and valid government-issued photo ID. For consumer loans with a deceased borrower, contact the consumer loan department at (800) 962-4452 Ext 4098. The process depends on account type and whether a POD beneficiary was designated.
If you are a designated POD beneficiary, provide Webster First with a certified copy of the death certificate and a valid government-issued photo ID. You can receive your share of available funds without waiting for probate. Visit any branch or contact the Member Service Center at (800) 962-4452.
Anyone who lives, works, worships, or attends school in Essex, Middlesex, Suffolk, or Worcester County, Massachusetts is eligible to join. Membership also extends to family and household members of eligible individuals, businesses and legal entities in qualifying counties, employees of Webster First, community volunteers, and spouses of deceased members who were members at the time of their passing.
IRA accounts have separate beneficiary designations from deposit accounts. Contact Webster First at (800) 962-4452 to initiate the process. The designated IRA beneficiary will need to provide a certified copy of the death certificate and valid government-issued ID. Distribution options depend on the type of IRA and the beneficiary's relationship to the deceased member.
Webster First FCU's Member Service Center can be reached by phone at 1-800-962-4452 for questions throughout the claims process.
If the deceased held multiple Webster First FCU accounts, each may require a separate claim or have different documentation requirements. The Member Service Center can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Webster First FCU primary sources (21 pages reviewed). How we research.
Phone1-800-962-4452
Toll-Free1-800-962-4452
Mailing Address
271 Greenwood Street, Worcester, MA 01607
Telephone Banking (24/7)
Mortgage/Loan Center
Lost/Stolen Debit Card (after hours)
Phone1-800-962-4452
Toll-Free1-800-962-4452
Mailing Address
271 Greenwood Street, Worcester, MA 01607
Telephone Banking (24/7)
Mortgage/Loan Center
Lost/Stolen Debit Card (after hours)
Member Service Center
Phone1-800-962-4452
Mailing Address
Webster First Federal Credit Union, PO Box 70505, Worcester, MA 01607 (correspondence); branch/HQ: 271 Greenwood Street, Worcester, MA 01607
Consumer Loan Dept (deceased borrower)
Mortgage Servicing Dept (deceased borrower)
Verified Jul 2026
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