What to do when a Coastal Community Bank account holder dies
Report the death to Coastal Community Bank's Customer eXperience Team at 1-425-257-9000
When an account holder at Coastal Community Bank passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Coastal Community Bank's Customer eXperience Team (1-425-257-9000) to access and distribute the funds.
The claim process can be initiated by phone at 1-425-257-9000 or by sending documentation to customerservice@coastalbank.com. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with Coastal Community Bank:
Filing a claim
- Payable-on-death beneficiary: request distribution of the account funds
- Executor or administrator: provide Letters Testamentary or Letters of Administration
- Small estate: provide a Small Estate Affidavit
- Certified copies of the death certificate
- Letters Testamentary, Letters of Administration or a Small Estate Affidavit
- A cover letter with the deceased account holder's name, the account number and your contact information
What happens to each kind of account4
- Payable-on-death account
The payable-on-death beneficiary provides the death certificate and their ID to claim the funds directly.1
- Joint account with survivorship
The surviving owner provides the death certificate and keeps access to the account.1
- Account in one name
For an account without a beneficiary or survivorship, the executor or administrator obtains Letters Testamentary, Letters of Administration or a Small Estate Affidavit from the court and provides it with their ID.1
- Credit card
Coastal is the issuer and creditor of record for the credit cards of its CCBX partner programs (Prosper, Seen, Robinhood Gold Card and Aven). A creditor notice or claim about a partner-branded card balance goes to Coastal Community Bank.2
Several partner agreements make death an event of default: the Robinhood Gold Visa agreement lists "in the event of your death" and the Seen Mastercard agreement "you die or become insolvent". On default the bank may declare the entire balance due and cancel the account.3, 4
State law on paying a balance without lettersWashington
- Washington
RCW 30A.22.190(2)
Washington law permits a bank to pay from a deceased depositor's balance on an affidavit, without letters testamentary or letters of administration.RCW 30A.22.190(2)Verified Oct 3, 2026View source
Limit: $2,500 held at the institution
Paid to: the surviving spouse, next of kin, funeral director, or other creditor who may appear to be entitled thereto
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
RCW 30A.22.190(1)
Washington law permits a bank to pay from a deceased depositor's balance on an affidavit, without letters testamentary or letters of administration.RCW 30A.22.190(1)Verified Oct 3, 2026View source
Limit: The section sets no dollar limit.
Paid to: the surviving spouse (party to a community property agreement with the decedent that reaches the funds)
The section permits the payment. It does not require the bank to make it. The section sets further conditions.
Accounts handled elsewhere4
Not in Coastal Community Bank's published guidance1
- A list of required documents
Sources4
- 1.Contact Us
- 2.Cardholder Agreements
- 3.Robinhood Gold Visa cardholder agreement
- 4.Seen Mastercard cardholder agreement
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust.
- Continue making payments on the existing loan
- Assume the loan
- Refinance in your own name
- Pay off the remaining balance
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Completed Successor in Interest formFrom the loan servicing department.
- Documents proving your ownership interest in the propertyA probated will, court order, recorded deed, or trust document showing you as successor trustee or beneficiary.
- Letters Testamentary or Letters of Administration, if going through probate
- Marriage certificate, for a surviving spouse
Forms Coastal Community Bank issues1
- Successor in Interest form
Sent by the institution on request.1
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Sources1
- Pay off the outstanding balance
- Refinance the debt
- Negotiate repayment terms
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Completed Successor in Interest form
- Documents proving your ownership interest in the propertyFor example a probated will, court order, deed or trust document.
- Letters Testamentary or Letters of Administration, if going through probate
- Marriage certificate, for a surviving spouse
Forms Coastal Community Bank issues1
- Successor in Interest form
Sent by the institution on request.1
What happens to each kind of account1
- Loan
Coastal's HELOC Disclosure does not list the borrower's death as a ground for terminating the account and demanding the entire balance. It lets the bank refuse further credit or lower the limit if it reasonably believes a material change in financial circumstances means repayment will not be met.2
The disclosure sets a 119-month draw period with a minimum monthly payment of 1.000% of the outstanding balance, ending in a single balloon payment of the entire unpaid balance, which can fall due during the estate's administration.2
Sources2
Coastal Community Bank's Customer eXperience Team can be reached by phone at 1-425-257-9000 and email at customerservice@coastalbank.com for questions throughout the claims process.
Sources
Data sourced from Coastal Community Bank primary sources (15 pages reviewed). How we research.
Coastal Community Bank death claims support
Customer eXperience Team (CX)
Phone
Hours
Mailing address
Website
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