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Prepare the letter of instruction American Heritage requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 3
The American Heritage Credit Union member who has passed away.
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Send it to American Heritage's estate/claims department: American Heritage Credit Union, Attn: Account Services Department, 2060 Red Lion Rd, Philadelphia, PA 19115. You can reach the department at 1-800-342-0008.
American Heritage lists these among its required documents: Certified death certificate (all account types); Valid government-issued ID for the person settling the account; American Heritage Information Sheet (single-owner or beneficiary accounts); Member Services Request Form (joint-owned accounts). The prepared letter includes an enclosure checklist drawn from American Heritage's recorded requirements.
Notification response typically within 2 business days of receipt or 30 days from date of death, whichever is later. POD and joint accounts settle more quickly; single-owner accounts without POD designation require probate documentation which varies by state and estate size.
American Heritage provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
