Navigating the loss of a loved one is never easy, and dealing with financial matters can quickly feel overwhelming. Sorting through financial matters might be the last thing on your mind, but our team at Tyndall is here to provide support.

Notify Tyndall
One of the most important first steps is to notify us of your loved one’s passing. You don’t need to have every document in hand right away—let us know as soon as possible, and we can provide support and next steps tailored to your situation. When you contact us, we’ll ask for your loved one’s name, account number (if you have it), and the date of passing.

Documents You May Need
  • A certified copy of the death certificate
  • Basic Information - such as name, address, phone number
  • Government Issued Picture ID - such as a Driver's License or Passport
  • Probate documents
  • Court Order or Certificate of Trust

What Happens Next
After you notify us, the deceased member’s accounts are temporarily frozen. This is to protect the account and prevent unauthorized transactions. If you are a joint account holder, you will typically retain access, but we may need to update the account’s title once we have all necessary paperwork.

It’s important to know that, by law, we are not able to accept checks or deposits made out to someone who has passed away. Any automatic transactions (like Social Security payments or other direct deposits) should be carefully reviewed, and in some cases, may need to be returned to the issuing agency.

Loans, Debts, and Insurance
Any outstanding loans or credit cards under the deceased member’s name will become part of the estate, which means they are usually settled from available account funds before anything is distributed to heirs or beneficiaries. If there’s a co-signer or joint account holder, that person may be responsible for any remaining balances.

Tyndall also offers AD&D Insurance to our members. If your loved one had this coverage, please let us know so we can provide the phone number for the plan administrator.

What If There’s No Will?
If your loved one did not leave a will, state law will guide how their assets are distributed, and the court will appoint an estate administrator. If a minor is listed as a beneficiary, we may be required to hold funds in trust or release them to a court-appointed guardian, in accordance with state regulations.

We’re Here for You
We understand how difficult and emotional this time can be. If you’re feeling overwhelmed or aren’t sure what to do next, please reach out. We have a dedicated team ready to answer your questions, explain next steps, and offer guidance. You can visit our page, Closing Accounts for a Deceased Loved One, for more information as well as an option to fill out our contact form for our team to follow up with you.  Please know that, due to federal privacy regulations and our dedication to protecting our members’ confidentiality, there are limits to the account information we’re able to share—even after a member has passed away.

Every situation is unique, if you have any questions or need guidance, we’re here to help in any way we can. 

 

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