Deceased Member Support Center

We’re here to help during this difficult time.
We’re deeply sorry for your loss. When a loved one passes away, managing financial matters can feel overwhelming. 


Supporting You After a Loss  

 

 

Losing someone you love is never easy, and we understand that managing financial matters during this time can feel overwhelming.

At Credit Union of Texas, we’re here to support you with care, clarity, and compassion. Whether you're a joint owner, beneficiary, or handling the estate, this page offers guidance on what to expect and how to move forward. We're committed to making this process as smooth as possible—please don’t hesitate to reach out if you need help along the way. 

 
 
 









What should I do if a loved one has passed away?

 
What should I do if a loved one has passed away?
We recommend scheduling a phone or in-branch appointment so one of our representatives can walk you through the next steps. You can also chat with us online for general guidance.
 
 
What documents will I need?
To begin the process, we will need to review:
  • A Death Certificate
  • A copy of your Driver’s License
These documents help us verify account details and determine the appropriate course of action.

I’m a beneficiary or joint owner. What happens now?

If you’re a beneficiary:
Once we’ve reviewed the death certificate and your ID, we can begin disbursing applicable funds. Click here to schedule an appointment for personalized assistance.

If you’re a joint owner:
In most cases, the account can be transferred into your name. We’ll verify the account details and walk you through the process.

How are funds disbursed?

Funds are disbursed based on account ownership:

  • Joint With Rights of Survivorship: Funds belong to the surviving joint owner.

  • Named Beneficiaries: Funds are disbursed accordingly.

  • No Joint or Beneficiary: Legal documentation showing estate ownership will be required.

What if my family member didn’t have a will?

If there is no will and no joint or beneficiary on the account, we will need to see legal documents identifying the person responsible for the estate. Click here to schedule an appointment so we can assist you further.
 

What if I had Power of Attorney?

Power of Attorney expires upon death and is no longer valid. You’ll need to proceed as a representative of the estate or as a named beneficiary.
 

What if I’m an Authorized or Convenience Signer? 

These roles are only valid while the account owner is living. Upon their death, these designations are no longer applicable. 
 
 

What if I received checks made payable to the deceased?

 Checks made payable to the deceased belong to their estate. You can either:

  • Request the issuing company reissue the check to the appropriate party, or

  • Open an estate account to deposit the funds.

What happens with loans and Social Security deposits? 

If your loved one had a loan with CUTX:
Click Here to Schedule An Appointment.

If Social Security funds are missing from the account:
Federal regulations require us to return any funds received after the date of death to the issuing agency. You’ll need to contact the agency directly for assistance.

 

















Deceased Member Support FAQs

We are so sorry to hear about your loss. Losing someone close is incredibly difficult. Credit Union of Texas is here to assist you with the next steps. Click here to schedule an appointment with one of our representatives either by phone or visit a local branch or chat in for further guidance.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. Credit Union of Texas is here to assist you with the next steps. To move forward we will need to review the Death Certificate and a copy of your Driver’s License. Once we have reviewed that information, then we will be able to provide you with more information. We suggest making a phone or in branch appointment or chat in for further guidance.  Click here to schedule an appointment.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. The POA designation is no longer valid upon death of the individual. However, you may make a phone or in branch appointment or chat in for further guidance. Click here to schedule an appointment
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. To move forward we will need to review documents including the Death Certificate and your Driver’s License. You may make a phone or in branch appointment for us to provide further guidance on your situation. Click here to schedule an appointment
Account documents will always be verified to determine Joint Owners or Beneficiaries on the account.  Most accounts are set up With Rights of Survivorship, unless otherwise noted on a Subsequent Action Form. If an account has a Joint With Rights of Survivorship, funds in applicable accounts will belong to the joint owner. If an account does not have a joint, then funds will transfer to the beneficiaries. If there are no joint owners or beneficiaries, documents proving estate ownership will be required.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. In most cases, the account can be transferred over to the joint owner’s name, but we will need to verify some things with you first. You may make a phone or in branch appointment or chat in for us to provide further guidance on your situation. Click here to schedule an appointment.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. If there is no joint owner or beneficiary designation, we will need to see documentation of the responsible part of the estate. However, you may make a phone or in branch appointment or chat in for us to provide further guidance on your situation. Click here to schedule an appointment.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. To discuss options about the loan, please make a phone or in branch appointment, or chat in for us to provide further guidance on your situation. Click here to schedule an appointment.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. Credit Union of Texas is required to return any government funds that are received after the date of the individual’s death back to the sending agency. You will need to reach out to that agency to discuss options. You may also make a phone or in branch appointment, or chat in for us to provide further guidance. Click here to schedule an appointment. 
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. If the checks you received are made payable to the deceased individual, then they belong to the estate of the individual and should either be replaced by the paying company to reflect the proper payee, or you can open an estate account to deposit funds that belong to the estate of the individual.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. The trust agreement should have provisions to determine steps to take in the event of one or more trustees and what steps successor trustees will need to follow. In order for us to provide further guidance, please make an in branch appointment so documents can be reviewed for us to provide further guidance. Click here to schedule an appointment.
Authorized Signers on personal accounts and Convenience Signers are only applicable during the lifetime of the member. These designations are no longer valid upon the death of the account owner.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult. You will not need a new membership, and the joint will be removed from your account.
We are so sorry to hear about your loss. Losing someone close is incredibly difficult.  A check will be issued made payable to all joint owners, unless all joint owners are present at the branch at time of notification.