DCCU Routing # 251483311
Faster, more secure access to your account
- Same account information
- Deposit checks or open certificates
- Apply for loans
- Use the same login information or use fingerprint or Face ID.
Faster, more secure access to your account
- Same account information
- Deposit checks or open certificates
- Apply for loans
- Use the same login information or use fingerprint or Face ID.
We're Here For You
On behalf of DuPont Community Credit Union, we extend our sincere condolences to you and your family on the loss of your loved one. Experiencing the loss of a family member or close friend is a very challenging time, and we are committed to providing the support you need to navigate their financial affairs.
We understand that managing the personal and financial matters of a lost loved one can be difficult and confusing. The information below is intended to provide you with guidance to frequently asked questions and information for handling a decedent's account here at DCCU.
GETTING STARTED
Where Should I Begin?
- Notify DCCU of the death of a loved one to begin the account settlement process.
- Obtain a death certificate, which is always needed as part of the settlement process.
- When appropriate, contact third parties, such as:
– Investment/brokerage companies
– Benefit companies like the Social Security Administration, Veterans Affairs, and/or Pension
– Social Services
– IRS
– Insurance companies
– Utility companies
– Credit card companies
– Department of Motor Vehicles (DMV)
– United States Postal Service (USPS)
DCCU ACCOUNTS
Account & Loan Information
Each member relationship at DCCU is different. Due to the complex nature of account structures, we will complete a thorough review of the account(s) the decedent was on. In some cases, we may need additional documentation before we can provide you with information on the decedent's account(s). A representative will work with you and provide you with the steps that will need to be taken to settle the decedent's account(s).
Documentation
- We will need a certified copy of the death certificate.
- We may need a Letter of Qualification or Small Estate Affidavit.
– We will inform you if one of these documents is required.
– The Clerk of Court or attorney may direct you on which document type is appropriate for your specific circumstance.
Estate Accounts
DCCU offers Estate Accounts for an Executor to manage a decedent's estate. Contact a DCCU Representative for more information regarding eligibility.
If you are advised to establish an Estate account and would like to establish the account at DCCU you will need:
- A copy of the Death Certificate
- A Letter of Qualification
- An Employee Identification Number (EIN).
– Applying for an EIN is a free service offered by the IRS. You can apply for an EIN on the IRS website. Our representatives can assist you with this step during the Estate Account application process if needed.
Additional Resources
Beyond financial management, there are many complexities that accompany bereavement. Here are some additional resources and actions you may want to consider.
Member Investment Services
- Member Investment Services (MIS) is here to assist you with your estate planning needs. Contact them today.
Social Security Administration
- In most cases, the funeral director will report the decedent's death and Social Security number to the Social Security Administration. If you need to report a death directly, please contact your local Social Security Office or visit their website.
- You may need to contact the Social Security Administration to cancel or update Social Security benefits.
Veterans Affairs Federal Benefits
- If the decedent was a Veteran, you may need to contact the Department of Veterans Affairs.
Social Services
- If you require burial assistance, your local Social Services Department may be able to help. You can find additional information about contacting Social Services on their website.
Tax Advisors and Tax Reporting
- DCCU cannot advise on tax matters so we recommend reaching out to a tax advisor or the IRS to determine any tax implications they may be facing.
Insurance
- Contact the decedent's insurance companies to verify what is in place for the residence, vehicles, and life insurance policies.
- Be sure to transfer all information to the name of the new owner, if applicable.
Contact Utility Companies (including credit card companies)
- Be sure to transfer all bills and accounts to the name of the new owner, if applicable.
Department of Motor Vehicles (DMV)
- For any questions or concerns about the vehicle(s)/title of the decedent, contact your local DMV.
United States Postal Service (USPS)
- You may want to report the passing of the decedent to the United States Postal Service, and start the process of forwarding their mail, if applicable.
Questions?
If you have any questions, we are happy to help! Give us a call or stop by a branch and we will be happy to assist.
This content is general in nature and does not constitute legal, tax, accounting, financial or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information and take no liability for your use of this information.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
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