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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Atlantic FCU→Preparing your estate

How to name beneficiaries and fund a trust at Atlantic FCU

Covers 10 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch

Atlantic FCU

Credit Union · Regional

atlanticfcu.com→
Atlantic FCU logo

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
1-800-472-3272
Lost/Stolen Credit Card (Domestic)
1-855-709-8128
Lost/Stolen Credit Card (International)
1-727-299-2449
Card Fraud After Hours (Credit, Domestic)
1-888-918-7313
New Loan Fax
1-207-517-2754
Loan Payoff / Verification Request Fax
1-207-245-1751
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
1-800-472-3272
Lost/Stolen Credit Card (Domestic)
1-855-709-8128
Lost/Stolen Credit Card (International)
1-727-299-2449
Card Fraud After Hours (Credit, Domestic)
1-888-918-7313
New Loan Fax
1-207-517-2754
Loan Payoff / Verification Request Fax
1-207-245-1751
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 Jul 2026

Preparing your Atlantic FCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Atlantic FCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.

The transfer rules at Atlantic FCU vary across 14 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.

Free Kasasa Cash CheckingFree Kasasa Cash Back CheckingMember CheckingMember Savings AccountFree Kasasa SaverMoney Market SavingsMoney Market CheckingShare CertificateCoverdell Education Savings AccountHealth Savings Account (HSA)
1
Visit any Atlantic FCU branch location
2
Request to add or update POD beneficiary designations on deposit accounts
3
Provide required documentation:
  • Government-issued photo ID
  • Beneficiary details and allocation percentages
4
Complete and sign the POD designation form; changes take effect upon processing

Required Documents

  • Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

  • POD designations available on checking, savings, money market, and certificate accounts
  • IRA beneficiaries require a separate IRA Beneficiary Designation form
  • Joint account owners have automatic right of survivorship
  • Trusts can be named as POD beneficiaries on eligible deposit accounts
  • No online beneficiary management available; must visit branch, call, or mail
SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • atlanticfcu.com
  • legislature.maine.gov

Data sourced from Atlantic FCU primary sources (17 pages reviewed). How we research.

Download these Atlantic FCU instructions

Download instructions for the whole estate→

A printable PDF with the steps, required documents, and contact details — verified against Atlantic FCU primary sources. Bring it to the branch or keep it beside the phone.

Atlantic FCU

Credit Union · Regional

atlanticfcu.com→
Atlantic FCU logo

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
1-800-472-3272
Lost/Stolen Credit Card (Domestic)
1-855-709-8128
Lost/Stolen Credit Card (International)
1-727-299-2449
Card Fraud After Hours (Credit, Domestic)
1-888-918-7313
New Loan Fax
1-207-517-2754
Loan Payoff / Verification Request Fax
1-207-245-1751
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
1-800-472-3272
Lost/Stolen Credit Card (Domestic)
1-855-709-8128
Lost/Stolen Credit Card (International)
1-727-299-2449
Card Fraud After Hours (Credit, Domestic)
1-888-918-7313
New Loan Fax
1-207-517-2754
Loan Payoff / Verification Request Fax
1-207-245-1751
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 Jul 2026

Estate planning articles

Learn how to protect your Atlantic FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Estate planning articles

Learn how to protect your Atlantic FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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