- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Branch Appointment Requests
- Notary Services
IMPOSTER SCAM ALERT
Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
- DO NOT provide any information
- STOP all communication with the suspected imposter
- CONTACT US immediately at our published numbers (410) 272-4000 or (800) 225-2555 to help resolve any additional security risks
Deceased Member Account
At APGFCU, we understand the extreme difficulty of losing a loved one and we are here to support you during this challenging time. Outlined below are basic questions and answers to help guide you.
Where do I start?
Contact us as soon as possible by clicking on the button below and filling out the Deceased Member Account Form. The following information is needed to begin the process:
- Death Certificate - (required)
- Letter of Administration – (if an estate is established)
- Estate tax identification number (EIN) – (provided by the IRS)
You may also use this form to submit follow-up documentation to a previously submitted Deceased Member inquiry.
Deceased Member Account - FAQs
- How can I obtain a letter of administration?
Contact the register of wills, orphans court, or local court system within the county/township of the state in which the decedent lived and/or passed away.
- How do I obtain an EIN number for an Estate Account?
Visit the www.irs.gov website only. Other sites can securely provide you with an EIN but they will charge a fee and often take up to five weeks. There is no fee when visiting the IRS website.
- If I am a joint owner on the account – can I continue to use the membership?
Initially, yes; however, the membership should be closed within a year of the death of the primary member. To avoid impact to the surviving joint owner(s), the membership may remain open while we work with the surviving joint account owner(s) and/or executor of the estate.
Please note, if there are no joint owners, only a payee on death (POD, aka beneficiary) designated, the suffix(es) will be closed once a death certificate is received and funds disbursed via check payable to the POD.
- How can I add a beneficiary/payee on death (POD) to my deposit accounts?
Ownership and beneficiaries cannot be changed after the primary has passed.
Prior to a primary’s passing, a POD (aka beneficiary) can be changed by signing a new membership application designating the name of the POD for each non-IRA account type to which the member wishes to add a POD(s). All existing joint owners of each account (aka suffix) listed must sign the membership application designating the POD. A membership application is required for each suffix if the joint ownership is different.
To submit an updated membership application, you may either:
- Attach to a secure email behind online banking. Not enrolled in Online and Mobile Banking? Click here for details.
- Mail to the credit union:
APGFCU- ATTN: Support Services
- P.O. Box 1176
- Aberdeen, MD 21001
- Visit a branch.
IRAs require separate beneficiary designation forms. Learn more by visiting the IRA Service Center.
- Does a will supersede a payee on death (POD)?
APGFCU does not interpret the will of a decedent. Therefore, if a payee on death is defined on the membership application, APGFCU will disburse funds according to the membership agreement/application established by the primary member’s wishes.
- Does APGFCU need a copy of the will?
APGFCU does not interpret the will of a decedent. The will should be taken to the register of wills office (Maryland) or the clerk’s office of the court system where the member lived and/or passed away. These offices will help you determine the next steps to take in managing the decedent’s affairs with or without a will (testate or intestate).
- What if I have bonds in the name of the deceased?
Visit https://www.savingsbonds.gov/ for guidance.
- Can I deposit the checks into my account?
Checks payable to a decedent can only be deposited to the primary member’s membership if dated prior to the date of death. If the check is payable to the decedent after their date of death, the check must be negotiated/deposited through an estate account. If you have questions about a specific check, please contact us or visit a branch. Click here to schedule a branch appointment.
- My spouse is deceased. Can I deposit our tax refund check into my account?
Yes, if we have received a death certificate. Endorse the back of the check by printing the decedent's name, followed by "deceased".