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Losing a loved one

Banking support when you need it most

We're here to provide guidance with managing the finances of someone who has passed away.

We want to help you through this difficult time

We’re here to take care of the banking details so you can focus on what matters most.

First steps

When someone passes away, there are decisions to be made that can feel overwhelming. Let us guide you through those first steps.

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Gather legal documents

Obtain a certified copy the death certificate. Most organizations will need to see it before settling any affairs.

Learn How

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Determine account ownership

Depending on account ownership, different documents will be needed.

Learn More

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Take care of yourself and loved ones

RCU partners with many nonprofit organizations to address important issues faced by individuals, families, and communities.

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Other things to keep in mind

Contact other organizations

You might need to tell other organizations or service providers about the person’s death, such as government agencies, utility companies, subscriptions, etc.

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Manage the estate

If the person passed away with or without a will, you may need to file formal probate, which is a legal document giving you the authority to deal with a deceased person’s affairs.

Learn More

Beware of scams

Scammers will look for details from obituaries, funeral homes, hospitals, stolen death certificates, and social media websites to obtain personal information about a departed individual. Scammers might then use this information to ‘reconnect’ with a bereaved family, claiming to be owed money, or use it to access or open financial accounts, take out loans, and file fraudulent tax returns to collect refunds.

Notify us

However you choose to contact us, you’ll only need the person’s name, address, and date of birth to notify us of their death.

Documents We’ll Need

Online

Notify us and send the documents we need when you have them.

Complete Online Form

In person

Make an appointment to speak to someone face to face.

Schedule an Appointment

Phone

If you have any questions or concerns, feel free to call us.

1 (800) 479-7928

What we'll do next

Members' accounts

We'll protect any sole accounts by freezing them, and update any joint accounts. We'll let you know if we need any additional documents.

Stop contact with account holder

You might continue to receive letters addressed to your departed loved one for a short time. We’re very sorry for any distress this causes.

Stay in touch

We'll contact you with more information and next steps, including any other documents we may need.

Top Questions

Don’t see your question?

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Prepare for the future

No one wants to think about what happens when they’re gone, but being adequately prepared for the future is the best way to ensure you’ve covered what, and who, matters most.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.