We're Here to Help:
Next Steps After a Loss
Losing a loved one is never easy, and managing their financial matters can feel overwhelming during an already difficult time. We're here to help make the process as straightforward as possible by guiding you through the steps to notify Florida Credit Union, gather the necessary documents, and understand what to expect along the way. While every situation is unique, the information below can help you get started and answer many of the questions families commonly have.
First Steps
The account settlement process begins with a few important steps. We'll guide you through how to notify Florida Credit Union, what documentation you'll need to provide, and what to expect as we review and settle the member's accounts. While every situation is unique, following these steps can help make the process as smooth as possible.
Notify Florida Credit Union
As soon as you're ready, please notify Florida Credit Union of your loved one's passing. This allows us to begin reviewing the member's accounts, protect them from unauthorized activity, and guide you through the next steps. You can contact us in the way that's most convenient for you using one of the options below:
- Online: Email askfcu@flcu.org
- Phone: Call us at 352-377-4141
- In Person: Visit your local branch
- Mail to: Attn:
Deceased Accounts
PO BOX 5549
Gainesville, FL 32606
Provide the Required Documentation
Providing the required documentation helps us verify the member's passing and determine who is authorized to manage their accounts. While every situation is unique, the lists below will help you identify the documents that are typically needed based on the account type.
- Photo ID
- Certified copy of death certificate
- Other relevant documents which would include Letters of Administration or Probate Court Orders addressing an account or loan.
Please note that there is no reason to send us a Will as we cannot rely upon it.
Account Review & Settlement
Once you've submitted the required documentation, we'll take it from there. Our team will review the information, process the member's accounts, and work to complete the settlement as efficiently as possible.
Required Documentation
Gathering the right documents can help make the account settlement process go more smoothly. The information below outlines the documentation typically required for different account types. If you're unsure which documents apply to your situation, our team is happy to help guide you through the process.
If the deceased member was the only owner on the account, we'll need documentation to verify their passing and identify the individual authorized to act on behalf of the estate. The required documents may vary depending on whether a beneficiary was designated on the account.
- A copy of the death certificate
- One of the following is required if there is no beneficiary listed on the account:
- A certified copy of probate order
- Small estate affidavit
If the account was jointly owned, the surviving account owner generally retains access to the account. To update our records, we'll need a copy of the death certificate, and we may need to retitle the account if the deceased member was listed as the primary account holder.
- A copy of the death certificate
- Joint owners may continue to use the account, but the account may need to be retitled if primary account holder is deceased.
If your loved one had a mortgage with Florida Credit Union, we'll need a few documents to update our records and review the loan. You will need to provide the following:
- A copy of the death certificate
- Order determining homestead or Deed showing transfer of property
Frequently Asked Questions
We understand that every situation is unique, and you may have questions as you work through the account settlement process. Below are answers to some of the most common questions about deceased member accounts, required documentation, and what to expect. If you don't see your question here, our team is always happy to help.
- Placing holds on accounts
- Blocking ATM/Debit Cards
- Closing accounts
- Deactivating mobile banking, such as billpay
- Returning government benefits, such as social security
- Be listed as a joint owner
- Can legally act on behalf of their estate (probate documents required)
Support for the Road Ahead
Losing a loved one is never easy, and we understand that handling financial matters can feel overwhelming. Our team is here to answer your questions, explain the account settlement process, and help you navigate the next steps with care and compassion.
If you have questions or need assistance, please contact us or visit your nearest Florida Credit Union branch. We're here to support you every step of the way.
Important Information
The information on this page is intended to help guide you through Florida Credit Union's account settlement process following the loss of a loved one. It is not a substitute for legal, tax, financial, or estate planning advice. Florida Credit Union cannot provide legal counsel. If you are serving as the trustee of a trust, the personal representative, executor, or administrator of an estate, we encourage you to consult with an attorney, accountant, financial advisor, or other qualified professional regarding your specific responsibilities and circumstances.