How Do I Write a Letter of Instruction to Mountain Heritage FCU?

Send it to Mountain Heritage FCU's estate/claims department: 1822 Seventh Street, Parkersburg, WV 26101. You can reach the department at (304) 424-7256.

Mountain Heritage FCU lists these among its required documents: Certified copy of the death certificate; Government-issued photo ID for the claimant (POD beneficiary, surviving joint owner, trustee, or personal representative); Account numbers for the deceased member, if known; Letters Testamentary or Letters of Administration from the county commission, where the estate is collecting and does not qualify as a small estate. The prepared letter includes an enclosure checklist drawn from Mountain Heritage FCU's recorded requirements.

Mountain Heritage FCU publishes no processing time. A POD or joint-account claim is typically settled in branch once the certified death certificate and ID are presented. An estate claim waits on the West Virginia county commission, either for the small estate affidavit to be filed (which cannot happen until 30 or 60 days after death, depending on whether the successor was nominated as executor in the will) or for Letters to issue.

Mountain Heritage FCU accepts a letter you write. We draft it for you, addressed to Mountain Heritage 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.