How Do I Write a Letter of Instruction to Redstone FCU?

Send it to Redstone FCU's estate/claims department: Redstone Federal Credit Union, Attn: Member Support Services, 220 Wynn Drive, Huntsville, AL 35893-0001. You can reach the department at 256-837-6110.

Redstone FCU's recorded process does not require the letter itself to be notarized. Some enclosed documents (such as a small estate affidavit) may still need notarization.

Redstone FCU lists these among its required documents: Certified death certificate (the Survivor's Guide recommends ordering at least 10 copies); Government-issued photo ID for each claimant, surviving joint owner, or estate representative; Estate's or successor's taxpayer identification number (TIN); Letters Testamentary or Letters of Administration (when there is no POD beneficiary or surviving joint owner). The prepared letter includes an enclosure checklist drawn from Redstone FCU's recorded requirements.

POD and joint accounts are processed once the death certificate and identification are verified; estate accounts vary with probate or small-estate requirements, and Redstone need not permit any withdrawal from a fiduciary account until it has every document it asked for.

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