How Do I Write a Letter of Instruction to Polish National CU?

Send it to Polish National CU's estate/claims department: Polish National Credit Union, 46 Main Street, Chicopee, MA 01020. You can reach the department at (413) 592-9495.

Polish National CU lists these among its required documents: Certified death certificate; Government-issued photo ID for the claimant (beneficiary, surviving joint owner, executor, administrator, or voluntary personal representative); Letters Testamentary or Letters of Administration (if no joint owner or POD designation and the estate is above the Massachusetts voluntary-administration limit); Register-attested copy of the Voluntary Administration Statement (Form MPC 170) -- Massachusetts estates of one motor vehicle plus $25,000 or less in other personal property, 30 days after death. The prepared letter includes an enclosure checklist drawn from Polish National CU's recorded requirements.

Joint accounts are typically updated promptly upon receipt of death certificate. POD accounts are typically processed within 2-4 weeks after all documentation is received. Estate accounts requiring probate may take 30-90 days depending on court timelines. The Massachusetts voluntary-administration route cannot start until 30 days after the death.

Polish National CU accepts a letter you write. We draft it for you, addressed to Polish National CU'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.