Estate planning at Atlantic FCU
How to protect 14 Atlantic FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online→
Verified May 2026
Atlantic FCU offers 14 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Atlantic FCU headquartered in Biddeford, ME. 11 branches in Biddeford, Brunswick, Cumberland, Freeport, Saco, Sanford, South Sanford, Scarborough, Topsham, Westbrook, and York. Membership open to those who live, work, worship, or attend school in Androscoggin, Cumberland, Sagadahoc, or York County in Maine. Family members of existing members and businesses in these counties are also eligible. Once a member, membership is retained for life even if the qualifying relationship changes. Access to 230+ SURF surcharge-free ATMs in Maine and 5,000+ shared branches nationwide through the CO-OP network. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Account holders can update their beneficiary designations at Atlantic FCU in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Atlantic FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at Atlantic FCU.
View details →When someone dies
Death claim process
4-step process, 5 required documents, and contact information for survivors.
View details →Because Atlantic FCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Atlantic FCU offers trust accounts for deposit products including checking, savings, money market, and share certificates. Visit any of the 11 branch locations with your trust agreement or certification of trust, government-issued photo ID for all trustees, and the trust tax identification number (SSN or EIN). Existing accounts can be retitled into the trust name, or new trust accounts can be opened. IRA and HSA accounts cannot be retitled to a trust but can name a trust as beneficiary on IRA accounts.
Atlantic FCU offers Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (ESA). IRAs are available as IRA savings accounts or IRA certificates (6-month to 5-year terms, with a Step-Up option on the 5-year term). IRAs cannot be retitled into a trust, but a trust can be named as IRA beneficiary using a separate IRA Beneficiary Designation form available from any branch or by calling (800) 834-0432.
Sources
Data sourced from Atlantic FCU primary sources (16 pages reviewed). How we research.
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Atlantic FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
