How Do I Write a Letter of Instruction to Everwise?

Send it to Everwise's estate/claims department: Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395. You can reach the department at 1-800-552-4745.

Everwise lists these among its 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 the estate qualifies: Indiana allows collection by affidavit for gross probate estates of $100,000 or less for deaths after June 30, 2022 (Ind. Code 29-1-8-1; State Form 54985), after a 45-day waiting period. Michigan uses its county probate small-estate procedure on a base of $50,000 adjusted annually for inflation (MCL 700.3982/700.3983), approximately $53,000 for 2026 deaths. The prepared letter includes an enclosure checklist drawn from Everwise's recorded requirements.

POD and joint accounts processed upon verification of documents; estate accounts vary based on probate requirements. Indiana small-estate affidavits require a 45-day wait from the date of death before funds can be collected

Everwise accepts a letter you write. We draft it for you, addressed to Everwise's verified claims department with the required enclosures.

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.