What to do when a Wings CU account holder dies
Contact Wings CU's Member Services — 7-step process, 5 required documents, and pod and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements
Phone1-800-692-2274
Toll-Free1-800-692-2274
Mailing Address
14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
Member Services
Phone(952) 997-8000
Toll-Free1-800-692-2274
Mailing Address
14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
WebsiteLearn more →
Phone1-800-692-2274
Mailing Address
Wings Credit Union, 14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
Verified Mar 2026
When a Wings CU member passes away, the Member Services 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.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Wings CU. A certified death certificate is the primary document required to start any claim.
Death claim process
Here is the step-by-step death claim process at Wings CU:
Filing a claim
1Contact Wings Member Services at 800-692-2274 or visit any branch to report the death
2Gather required documents based on account type
3For POD accounts: beneficiary provides certified death certificate and government-issued photo ID to claim funds
4For joint accounts with right of survivorship: surviving owner provides certified death certificate to remove deceased
5For non-POD/non-joint accounts: executor or administrator provides estate documents (Letters Testamentary or Letters of Administration)
6For trust accounts: successor trustee provides certified death certificate, trust documents, and trustee identification
7Surviving family members should update their own beneficiary designations
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if no POD/joint account)
- Small Estate Affidavit (if estate qualifies under Minnesota or Colorado law)
- Trust documents and successor trustee identification (if trust is named as beneficiary)
Post-merger note: accounts held at former Ent branches in Colorado may require contacting the Colorado Springs office until systems integration is complete (expected 2028). For investment accounts held through LPL Financial, a separate claims process may apply; contact Wings Financial Advisors.
Processing timelines at Wings CU: POD and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Wings CU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if no POD/joint account), 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
Funds in POD accounts are payable to the designated beneficiaries upon presentation of a certified death certificate and government-issued photo ID. If multiple POD beneficiaries are designated, funds are distributed according to the percentage allocation specified on the beneficiary designation form.
Contact Wings Member Services at 800-692-2274 (Monday-Friday 7 AM - 7 PM CT, Saturday 9 AM - 1 PM CT) or visit any branch. You will need a certified death certificate and government-issued photo ID. For POD accounts, beneficiaries can claim funds directly. For accounts without POD or joint ownership, Letters Testamentary or Letters of Administration from the probate court are required. For investment accounts through LPL Financial, a separate claims process may apply.
Wings offers investment services through Wings Financial Advisors in partnership with LPL Financial. Available products include Guided Wealth Portfolios ($5,000 minimum), brokerage accounts with stocks, bonds, mutual funds, and ETFs. Wings Financial Advisors are salaried Credit Union employees. Investment accounts can be titled to a trust or have TOD (Transfer on Death) beneficiary designations. These products are not NCUA insured.
Wings CU's Member Services can be reached by phone at 1-800-692-2274 for questions throughout the claims process.
If the deceased held multiple Wings CU accounts, each may require a separate claim or have different documentation requirements. The Member Services can confirm which accounts require individual attention and which can be processed together.
Phone1-800-692-2274
Toll-Free1-800-692-2274
Mailing Address
14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
Member Services
Phone(952) 997-8000
Toll-Free1-800-692-2274
Mailing Address
14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
WebsiteLearn more →
Phone1-800-692-2274
Mailing Address
Wings Credit Union, 14985 Glazier Ave, Suite 100, Apple Valley, MN 55124
Verified Mar 2026
Tools for settling a Wings CU estate
Calculators and checklists to help navigate estate settlement after a Wings CU account holder passes away.
How Do I Settle an Estate?
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
Get Checklist
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Use Calculator
How Much Can an Executor Charge?
Calculate how much an executor (personal representative) can charge for administering an estate. See if your state has statutory fees or uses reasonable compensation.
Use Calculator
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
Use Calculator
Do I Need Probate?
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
Check Now
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
Use Calculator