What to do when a Atlantic FCU account holder dies
Contact Atlantic FCU — 9-step process, 5 required documents, and joint accounts transfer immediately upon notification. pod beneficiaries typically receive funds within 5-10 business days of submitting required documentation. accounts requiring probate depend on maine court timelines.
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
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
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
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online →
Verified Mar 2026
When a Atlantic FCU member passes away, the Member Services handles the transition of accounts to beneficiaries or the estate. Accounts with Payable on Death designations or trust ownership transfer outside of probate, while solely-owned accounts may require Letters Testamentary or Letters of Administration from the probate court.
Atlantic FCU provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
Here is the step-by-step death claim process at Atlantic FCU:
Filing a claim
1Contact Atlantic FCU at (800) 834-0432 or visit any of the 11 branch locations to notify them of the member's death
2Provide a certified copy of the death certificate
3Provide government-issued photo ID of the person settling the account
4For joint accounts: surviving owner retains the account with right of survivorship
5For POD accounts: named beneficiaries provide death certificate and government-issued ID to claim funds
6For trust accounts: successor trustee provides trust documents, death certificate, and Tax ID Number (EIN)
7For accounts without beneficiaries or joint owners: executor or administrator provides Letters Testamentary or Letters of Administration from probate court
8Atlantic FCU reviews documentation and processes distribution of funds
9For estates below Maine's small estate threshold ($40,000): a Small Estate Affidavit may be accepted in lieu of full probate
Required Documents
- Certified death certificate
- Government-issued photo ID of the claimant
- Letters Testamentary or Letters of Administration (if probate required)
- Trust documents and EIN (if trust-owned account)
- Small Estate Affidavit (if estate qualifies under Maine law)
Visit any of the 11 Atlantic FCU branch locations in person for the fastest processing. Maine does not impose a state inheritance tax, so no state tax waiver forms are required for account settlement. For lost or stolen debit card issues related to deceased member accounts, call (800) 472-3272. Video Banking is also available for remote assistance.
Processing timelines at Atlantic FCU: Joint accounts transfer immediately upon notification. POD beneficiaries typically receive funds within 5-10 business days of submitting required documentation. Accounts requiring probate depend on Maine court timelines.. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Atlantic FCU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID of the claimant, and Letters Testamentary or Letters of Administration (if probate required), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Visit any of the 11 Atlantic FCU branch locations or call (800) 834-0432 to request a Payable on Death (POD) beneficiary designation. Provide each beneficiary's full legal name, date of birth, Social Security number, and relationship, along with the percentage allocation for each beneficiary. POD designations are available on checking, savings, money market, and certificate accounts. Online beneficiary management is not available.
Contact Atlantic FCU at (800) 834-0432 or visit any branch to notify them of the death. For joint accounts, the surviving owner retains the account automatically. For accounts with POD beneficiaries, the named beneficiaries can claim funds by providing a certified death certificate and government-issued ID. For accounts without beneficiaries or joint owners, the estate representative must provide Letters Testamentary or Letters of Administration from probate court. Maine does not require state tax waiver forms for account settlement.
No. Maine does not impose a state inheritance tax, so no state tax waiver forms are required for credit union account settlement. For estates below Maine's small estate threshold ($40,000), a Small Estate Affidavit may be accepted in lieu of full probate proceedings.
Atlantic FCU's Member Services can be reached by phone at 1-800-834-0432 for questions throughout the claims process.
If the deceased held multiple Atlantic FCU accounts, each may require a separate claim or have different documentation requirements. The Member Services can confirm which accounts require individual attention and which can be processed together.
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
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
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
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online →
Verified Mar 2026
Tools for settling a Atlantic FCU estate
Calculators and checklists to help navigate estate settlement after a Atlantic FCU account holder passes away.
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