How Do I Write a Letter of Instruction to Maine Savings FCU?

Send it to Maine Savings FCU's estate/claims department: Maine Savings Federal Credit Union, PO Box 347, Hampden, ME 04444. You can reach the department at 1-207-862-6500.

Maine Savings FCU lists these among its required documents: Certified copy of the death certificate (certified copies for ALL owners on a multiple-owner account); Government-issued photo ID for the claimant — plus, on request, SSN, date of birth, physical address, and a second form of ID (MSA Provision 25); Letters Testamentary or Letters of Administration, where there is no POD payee and no surviving joint owner; Maine small estate affidavit, where the estate qualifies (18-C M.R.S. § 3-1201: personal property only, $52,500 for 2026 deaths, 30 days after death). The prepared letter includes an enclosure checklist drawn from Maine Savings FCU's recorded requirements.

A POD payee or surviving joint owner is normally paid once the certified death certificate and identification are accepted. Estate-dependent claims wait on the Maine probate court's appointment of a representative, which commonly takes months; a qualifying small estate can skip that with the 18-C M.R.S. § 3-1201 affidavit 30 days after the death.

Maine Savings FCU accepts a letter you write. We draft it for you, addressed to Maine Savings FCU'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.