topic Re: Applying to NFCU through deceased family member? in Personal Finance

Applying to NFCU through deceased family member?

bobbigirl83 — Fri, 02 Mar 2018 15:46:51 GMT

I am eligible to join NFCU through my grandfather who served in the Navy for 9 years. Unfortunately he passed away last year so I cannot have him join and I don't believe he was ever a member.

I submitted a membership application over the phone earlier today, but I am wondering about the chances of them coming back and asking for additional documentation. I had several pieces of imformation about him ready to provide, but she didn't even ask his name.

I am only concerned because I am not certain I will be able to obtain his DD214. My father (his son) passed away a few years ago and my aunt (his daughter) and I are not on speaking terms.

However, my maiden name is the same as his last name and I am listed in his obituary and I have other things I can provide.

Thoughts on my chances?

Re: Applying to NFCU through deceased family member?

jlitnns — Fri, 02 Mar 2018 16:37:08 GMT

@bobbigirl83wrote:
I am eligible to join NFCU through my grandfather who served in the Navy for 9 years. Unfortunately he passed away last year so I cannot have him join and I don't believe he was ever a member.

I submitted a membership application over the phone earlier today, but I am wondering about the chances of them coming back and asking for additional documentation. I had several pieces of imformation about him ready to provide, but she didn't even ask his name.

I am only concerned because I am not certain I will be able to obtain his DD214. My father (his son) passed away a few years ago and my aunt (his daughter) and I are not on speaking terms.

However, my maiden name is the same as his last name and I am listed in his obituary and I have other things I can provide.

Thoughts on my chances?

I had no problem joining at the end of December. My grandfather passed away in Feb 2017. I joined and they didn't ask any info. I don't have any of his military info readily available. I've since added a CLOC, cashRewards card and yesterday just got approved for an auto-refi.

Good luck!

Re: Applying to NFCU through deceased family member?

bobbigirl83 — Fri, 02 Mar 2018 20:05:29 GMT

Is it a good sign that I was able to log in to online banking or is that automatically set up even before approval?

Re: Applying to NFCU through deceased family member?

Miner — Fri, 02 Mar 2018 21:13:06 GMT

I was curious about this as well. My grandfather served in the Navy in WWI and my father in the Navy reserves in the 50's. Both deceased and my father's second wife has recently downsized and moved into a small place and didn't keep any of his stuff.

I have two branches of NFCU in my area and have been thinking of switching credit unions as mine isn't what it use to be when I joined 20years ago. So I was wondering what sort of paperwork I'd have to try requesting from the government to join. So do I really not need anything?

Re: Applying to NFCU through deceased family member?

Anonymous — Thu, 08 Mar 2018 16:30:23 GMT

I'm a Veteran. I joined with a share account online two weeks ago. Aplied for and received their cash rewards card a few days later. I went in to my local branch yesterday and opened a checking account and a CD. No one ever asked for any proof of my Vet status.

Re: Applying to NFCU through deceased family member?

Anonymous — Thu, 08 Mar 2018 17:28:02 GMT

I just applied and the rep said that documentation might be needed. She didn’t ask for my grandfathers name or anything. She also checked to see if I was eligible since I work for the VA. (I’m not, cause the VA and DoD aren’t the same)

She mentioned that they might need those documents in regards to an audit that they get by the government.. so they might need them, just not now.

Re: Applying to NFCU through deceased family member?

Anonymous — Thu, 08 Mar 2018 17:33:57 GMT

My maternal grandfather (1930's until 1960 - he was a "China Marine" and served in World War II), and adoptive father (Marine aviator in the early 1960's, F-8 Crusader pilot), now both deceased, served in the Marine Corps. My stepfather is a retired Army major. Would that be sufficient for me to apply to NFCU?

Re: Applying to NFCU through deceased family member?

Anonymous — Thu, 08 Mar 2018 17:55:59 GMT

If they served, you’re eligible. NFCU says even adoptive children are eligible. It’s on their website.

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 04:04:36 GMT

Well? How did it go? You in?

If it is that easy, I'm callin' them tomorrow to join with just my grandfather's name!

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 04:37:47 GMT

@Anonymouswrote:
Well? How did it go? You in?

If it is that easy, I'm callin' them tomorrow to join with just my grandfather's name!

-looks around- me?

I applied and got in over the phone. I also applied for their cash rewards and was approved! They’re apparently better for rebuilders than Penfed (which I found out through several denials/recons with Penfed.. and two HP 🙄) so far only 1 HP from TU with NFCU but I’ll see tomorrow if they report another HP (as I heard they don’t piggy back like Penfed).

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 13:34:03 GMT

I applied and got in over the phone. I also applied for their cash rewards and was approved! They’re apparently better for rebuilders than Penfed (which I found out through several denials/recons with Penfed.. and two HP 🙄) so far only 1 HP from TU with NFCU but I’ll see tomorrow if they report another HP (as I heard they don’t piggy back like Penfed).

Hi ama050. ..That was for OP, but thanks for replying. Congratulations! I am looking at the Cash Rewards card as well.

So you said in earlier post you didn't even have to give his name??

jlitnns also said upthread that he/she didn't have to give "any info." ...So you gave them exactly what data over the phone?

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 14:39:43 GMT

I joined in early February through my grandfather, who served in WW2 (now deceased). They asked me what branch of service he was in, and that was it. Didn't have to provide any docs at all. No HP for membership, opened a checking & savings over the phone. A few weeks later, apped & got a Cash Rewards card, and that was a HP on TU. So far it has been really smooth with them - you really can't go wrong by joining!

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 15:23:48 GMT

@Anonymouswrote:
I applied and got in over the phone. I also applied for their cash rewards and was approved! They’re apparently better for rebuilders than Penfed (which I found out through several denials/recons with Penfed.. and two HP 🙄) so far only 1 HP from TU with NFCU but I’ll see tomorrow if they report another HP (as I heard they don’t piggy back like Penfed).
Hi ama050. ..That was for OP, but thanks for replying. Congratulations! I am looking at the Cash Rewards card as well.

So you said in earlier post you didn't even have to give his name??

jlitnns also said upthread that he/she didn't have to give "any info." ...So you gave them exactly what data over the phone?

I didn’t have to give my grandfathers name. She did ask if he retired from the Army. I wasn’t sure but I’m pretty sure all he did was serve and then get an honorable discharge. She asked what branch and said if I do need to provide docs, I’d have to 1. Provide his DD214 and then birth certificates.. which I assume would be my fathers and then mine. To show lineage. But I didn’t need that. She said if they get audited by the government they have to have that.

Re: Applying to NFCU through deceased family member?

Anonymous — Fri, 09 Mar 2018 19:03:26 GMT

Thank you, ama050 and Gsogirl. Very encouraging. I will call today.

FYI, NFCU CR card currrently offering $100 cash back for $500 spent within 90 days of opening account.

Enjoy all the benefits of our most popular credit card. Plus, when you spend just $500 within 90 days of opening your new card, you'll get $100 back.

Offer valid for accounts applied for from 3/1/18 to 4/30/18.

-----------------------------------------

EDIT: (Two hours later) Boom! Done. ...Savings and Checking accounts opened. ...Then transferred to rep for CC application. Approved for Cash Rewards CC. (Not a high limit, compared to how people were raving in the reviews at NFCU site about getting unexpectedly high CLs, but over $1000--still better than my current piddly $500 secured and $300 Cap One cards.)

So, the rep was amazingly sweet.

Indeed, she didn't want service person's name at all. Just asked for branch of service and that they were honorably discharged, though no proof of anything is apparently required. (I was ready to give my dad's info. He was Navy reservist who never even had to serve, as far as I know. But I had a service # for him, and a discharge date.)

Asked for my DOB, SSN, address, phone, driver's license number, employer name and my job title.

Need to give credit card or other source to pay $5 share fee, for basic membership.

Re: Applying to NFCU through deceased family member?

bobbigirl83 — Sat, 10 Mar 2018 01:12:12 GMT

@Anonymouswrote:
Thank you, ama050 and Gsogirl. Very encouraging. I will call today.

FYI, NFCU CR card currrently offering $100 cash back for $500 spent within 90 days of opening account.

Enjoy all the benefits of our most popular credit card. Plus, when you spend just $500 within 90 days of opening your new card, you'll get $100 back.

Offer valid for accounts applied for from 3/1/18 to 4/30/18.

-----------------------------------------

SWEET! I apped 03/02 and the card arrived today. Time to spend!!

Re: Applying to NFCU through deceased family member?

Anonymous — Sat, 10 Mar 2018 16:18:22 GMT

P. S. I should add that the fine print--and what the rep also stated when I applied--is that NFCU has the right to tap other accounts you may have with them, in order to pay off a delinquent CC you hold with them.

Security Interest Specific for CreditCards. You acknowledge and pledge, specifically as a condition of your use of the credit card, that you have voluntarily granted Navy Federal a security interest in all of your individual and joint share accounts at Navy Federal. If your credit card loan becomes delinquent, this security interest may be used without further notice to pay all or part of such delinquency. This security interest does not apply to shares in an Individual Retirement Account (IRA).

You don't HAVE to open a checking account with them. So you don't have to have this exposure, beyond the $5 Share membership.

Re: Applying to NFCU through deceased family member?

bobbigirl83 — Sat, 10 Mar 2018 16:44:06 GMT

@Anonymouswrote:
P. S. I should add that the fine print--and what the rep also stated when I applied--is that NFCU has the right to tap other accounts you may have with them, in order to pay off a delinquent CC you hold with them.

Security Interest Specific for CreditCards. You acknowledge and pledge, specifically as a condition of your use of the credit card, that you have voluntarily granted Navy Federal a security interest in all of your individual and joint share accounts at Navy Federal. If your credit card loan becomes delinquent, this security interest may be used without further notice to pay all or part of such delinquency. This security interest does not apply to shares in an Individual Retirement Account (IRA).

You don't HAVE to open a checking account with them. So you don't have to have this exposure, beyond the $5 Share membership.

I echo this. I don't plan on moving any of my banking to NFCU, not because of this fine print but because their banking products aren't competitive at all.

I have an acct with PenFed, but only have $5 in a share account. I'll transfer a few dollars here and there to avoid any inactive fees, but I don't plan on doing anything with them until they come at me with solid preapprovals.

My banking will continue to be done via Ally and Alliant.

Thus far, out of Alliant, Penfed, and NFCU ... Alliant has impressed me the most. I am going to continue courting NFCU and hope they will evetually show love in return.

Re: Applying to NFCU through deceased family member?

Anonymous — Sat, 10 Mar 2018 18:16:30 GMT

@Anonymouswrote:
P. S. I should add that the fine print--and what the rep also stated when I applied--is that NFCU has the right to tap other accounts you may have with them, in order to pay off a delinquent CC you hold with them.

Security Interest Specific for CreditCards. You acknowledge and pledge, specifically as a condition of your use of the credit card, that you have voluntarily granted Navy Federal a security interest in all of your individual and joint share accounts at Navy Federal. If your credit card loan becomes delinquent, this security interest may be used without further notice to pay all or part of such delinquency. This security interest does not apply to shares in an Individual Retirement Account (IRA).

You don't HAVE to open a checking account with them. So you don't have to have this exposure, beyond the $5 Share membership.

A security interest clause is standard for situations where you have a checking/savings account and a credit product with the same bank.

Re: Applying to NFCU through deceased family member?

Anonymous — Sat, 10 Mar 2018 20:32:58 GMT

Thanks Bella. Good to know. ...Yes, I assumed it might be business-as-usual. But for an amateur like me, this is the first time I have had a credit instrument along with the usual accounts at a bank.

Re: Applying to NFCU through deceased family member?

Anonymous — Sun, 11 Mar 2018 01:05:12 GMT

I was able to join through my mom who was in the Air Force years ago and passed away years ago as well. They just went by my affiliation to her being in the armed forces.