Losing a Loved One

Losing a loved one is painful, but you don't have to go through it alone. We're here to help you make financial decisions that are right for you during this difficult time.

First Steps
FAQs
Key Information
Terms to Know

First Steps

Notify Us

Call our Deceased Concierge Team at 904 420-5878 or visit a branch.

Provide Member's Death Certificate

Visit a branch or mail an original or certified copy to:

VyStar Credit Union ATTN: Deceased Processing P.O. Box 45085 Jacksonville, FL 32216 

We’ll make a copy and return the original to you.

Account Settlement

Once we receive notification of death, it may take 30-90 days to close the account. It could take more time depending on account complexity.

We’ll mail information to any beneficiaries as applicable within 3 business days.

FAQs

No, VyStar does not accept Last Will and Testaments. They must be submitted to the probate court. The court reviews them and appoints personal representatives to manage the estate. If you have any questions or need guidance, we recommend speaking with an estate planning attorney who can provide support tailored to your situation.
Before you speak with VyStar, you must meet one of these criteria:
Be listed as a joint account owner with the deceased
Be a listed beneficiary
Can legally act on behalf of their estate (Note: probate documents required)
VyStar representatives who can help you include:
Deceased Concierge Representatives
Branch staff
Contact Center employees

Key Information

Automatic Payments

As soon as we're notified of a member's passing, we:

Restrict all their individual accounts
Stop all automatic payments

Automatic payments made through a joint account will still go through. Joint account owners will need to contact each company to stop those.

Loan Products

The resolution of loans, including Mortgages, Auto Loans and Credit Cards depends on a number of factors. A VyStar representative from those departments will reach out to you discuss options.

Note: VyStar reserves the right to offset all loan products prior to disbursement of funds.

Direct Deposits

In the event a federal benefit payment is received after a member’s passing, we’re required to return those funds to the government. This may include payments such as Social Security or Veterans’ benefits.

Power of Attorney

Power of Attorney (POA) cannot be used to settle a deceased person’s account, as it becomes null and void upon the death of the individual who granted it.

Terms to Know

Helpful Contacts:

U.S. Department of Veterans Affairs: 1-800-827-1000

Social Security Administration: 1-800-772-1213

TruStage Life Insurance: 1-855-612-7909

A person entitled to the property of a deceased individual.
VyStar employee who serves as liaison between the next of kin, beneficiary or personal representative and internal VyStar departments; available to answer any questions or concerns that may arise throughout the process.
VyStar employee responsible for reviewing the documentation provided and processing the disbursement of funds.
Any property or funds that belonged to the decedent without a beneficiary designation will become part of the decedent’s estate.
An official document, sometimes alternatively called Letters Testamentary, issued by the Probate Court, which grants the Personal Representative authority and responsibility to access and manage an estate after someone dies.
The person appointed by the Probate Court, often also called the executor or administrator, to be responsible for settling outstanding debts, filing tax returns and distributing any remaining assets for the estate of a deceased member.
The judicial process by which the Last Will and Testament is submitted to Probate Court for acceptance in order to determine who is entitled to the distribution of the decedent’s assets. For additional assistance, please seek legal guidance.

Release of Information: Protecting our members' personal financial information is of utmost importance to VyStar. For this reason, VyStar employees (including concierge representatives, branch staff and Contact Center employees) may only discuss confidential member information with a joint account owner, a beneficiary or a court appointed Personal Representative of the decedent who is legally authorized to act on behalf of the decedent's estate.