How Do I Write a Letter of Instruction to Workers CU?

Send it to Workers CU's estate/claims department: Workers Credit Union, 119 Russell Street, Littleton, MA 01460. You can reach the department at 978-345-1021.

Yes — Workers CU requires the mailed letter of instruction to be notarized. The prepared letter includes a signature block; have it notarized before sending.

Workers CU lists these among its required documents: Certified copy of death certificate; Valid government-issued photo ID for claimant; Letters Testamentary or Letters of Administration (if no POD designation); Trust documents (if trust is beneficiary). The prepared letter includes an enclosure checklist drawn from Workers CU's recorded requirements.

POD beneficiaries can typically access funds upon providing required documentation. Non-POD accounts depend on probate timeline, which in Massachusetts typically takes 12-18 months.

Workers CU provides its own letter-of-instruction/claim form. We prepare a transmittal cover letter and an enclosure checklist to accompany that form.

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.