How Do I Write a Letter of Instruction to Grow Financial?

Send it to Grow Financial's estate/claims department: Grow Financial FCU, P.O. Box 89669, Tampa, FL 33689-0411. You can reach the department at 1-800-839-6328.

Grow Financial lists these among its required documents: Certified copy of the death certificate (fax to Deposit Servicing at 813-832-2088, or mail to P.O. Box 89669, Tampa, FL 33689-0411); Government-issued photo ID for the claimant; Letters Testamentary or Letters of Administration, for an account with no POD beneficiary, joint owner, or trust title; Florida: an affidavit under Fla. Stat. 735.303 lets a financial institution pay a family member (spouse, then adult child, then adult descendant, then parent) when the decedent's combined accounts there total $2,000 or less -- no earlier than SIX MONTHS after death, with a certified death certificate and a sworn affidavit that no probate has begun; larger estates use disposition without administration (Fla. Stat. 735.301) or summary administration (Fla. Stat. 735.201: estate subject to administration $150,000 or less, or death more than 2 years ago). The prepared letter includes an enclosure checklist drawn from Grow Financial's recorded requirements.

POD and joint accounts settle once the certified death certificate and the claimant's ID and paperwork are in Deposit Servicing's hands. Estate claims wait on the court: a Florida summary administration order, or a South Carolina small estate affidavit countersigned by the probate judge. A Fla. Stat. 735.303 family-member affidavit cannot be used until six months after death.

Grow Financial accepts a letter you write. We draft it for you, addressed to Grow Financial'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.