Here you'll find information about consumer fees, business fees, terms, conditions, disclosures, policies, guidelines, forms, and more. Make accounts payable on death.You might be able to fill out an affidavit and present that along with your mom's death certificate to the bank. First Choice Credit Union Universal Account Agreement. An account beneficiary is the person or persons designated to receive the assets or funds from your financial accounts when you pass away. The reason your sister's estate must be probated is because she passed with assets titled solely in her name. After you've passed away, the funds get transferred to the beneficiary named in the trust documents. Floridacentral Credit Union serves nearly 50000 members and over 1000 SEGs with 12 west-central Florida branches. Money Market Accounts. Enjoy the flexibility of a checking account with the high earnings of a savings account.