There are several ways to address this.  If the estate is still open, we can make the check payable to the estate.  You can also apply for the total capital credit balance to be refunded to the estate on a discounted basis.  This request goes to the board and is voted on at its monthly meeting.  If the estate is not open, or the check cannot be cashed as made payable to the estate, you can produce information that identifies you as the rightful heir and we will issue the check in your name.