Deceased Member Claims
We know this can be a challenging time for you and your family and it's natural to feel confused and overwhelmed as you deal with your loved one's financial affairs.
We use our Membership Agreement as our guideline through this process to ensure we follow legal standards and protect your loved one’s privacy and wishes.
Depending on the deceased’s estate planning, this can be either a quick or lengthy process. We appreciate your patience.
Your next steps
Contact us at (214) 515-0100 or dmc@citycu.org and our Deceased Claim Team will contact you within two business days to review initial steps and begin the process.
We strongly encourage sending personal information via secure email to keep your information safe.
You will need:
- Valid photo ID
- To be named as the signer or beneficiary of the account(s) to receive any information about
the account(s) - A certified copy of the death certificate to submit an official deceased claim
We may ask you to complete additional bank forms depending on the circumstances.
Our Deceased Claim Team will then review your loved one's accounts:
- A Payable on Death (POD) beneficiary directs certain assets (less any outstanding loans/fees) to be turned over to a beneficiary upon a person's death.
- With Rights of survivorship accounts, since these are jointly-owned accounts, assets (less any outstanding loans/fees) automatically transfer to the surviving person(s).
Government Payments
If the deceased was receiving government payments by direct deposit from a federal agency (e.g. Social Security, Department of Veterans Affairs, Civil Service), you must notify the agency of the death as soon as possible. City CU is required to return any government payments associated with the decedent's Social Security number after the date of death.
Social Security Administration
(800) 772-1213
Department of Veterans Affairs
(800) 827-1000
Civil Service
(888)
767-6738
City of Dallas Employees' Retirement Fund
(214) 580-7700
AD&D Insurance
City CU provides complimentary Accidental Death & Dismemberment (AD&D) insurance through our Advantage Checking account and a third-party insurance carrier.
- If the deceased had an Advantage Checking account, their death may be eligible for up to $5,000 of AD&D insurance. To learn more and/or file a claim, call (866) 210-0361.
- If the deceased enrolled in CCU’s complimentary AD&D insurance underwritten by Minnesota Life Insurance Company and administered by Econ-O-Check Corporation, their death may be eligible for up to $2,000 of AD&D insurance. To learn more and/or file a claim, call (800) 832-6858.
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Document Glossary
The death certificate provides needed information to verify the identity of our Member. A certified copy of the death certificate generally is available from the funeral director who handled the deceased’s funeral arrangements, as well as from the Registry of Birth, Deaths and Marriages in the applicable state/county/parish/territory. You may need multiple certified copies of the death certificate for the various institutions who handle settling the deceased’s affairs. The complexity of the estate and the number of institutions with which the deceased conducted business will help you determine the number of copies you need.
of Administration
A letter of testamentary (also known as letters testamentary) is a legal document issued by a court having probate jurisdiction after a will has been presented for probate. The letters name an individual as executor and provide the authority to administer the estate. For example, banks and other financial institutions usually require letters of testamentary and a death certificate before funds can be dispersed from a deceased person’s accounts. To receive a letter of testamentary, an application must be filed by an attorney. Letters of testamentary become part of a legal public record.
A Small Estate Affidavit is often used when a spouse or family member has passed. The Affidavit allows you to fast track the resolution of an estate through probate court. It’s a good way to help you resolve final estate matters for a deceased person who died without a will and with a “small estate” (balance under $75,000, per the State of Texas). This must be filed through court and stamped by a judge.
These are assets that are turned over to a beneficiary upon a person’s death, less any outstanding loans/fees.