What to do when a Coastal Community Bank account holder dies
Contact Coastal Community Bank — 5-step process, 7 required documents, and 5-10 business days after all documentation is received, though complex estates may take longer
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
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 (CX) 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 a certified 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
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant
- For accounts with POD beneficiary: provide the death certificate and beneficiary ID to claim funds directly
- For joint accounts with right of survivorship: provide the death certificate; surviving owner retains access to the account
- For accounts without beneficiary or survivorship: obtain Letters Testamentary, Letters of Administration, or a Small Estate Affidavit from the court and provide along with the executor or administrator's ID
Required Documents
- Certified copy of the death certificate
- Valid government-issued photo ID for the claimant (beneficiary, executor, or administrator)
- Account information for the deceased (account numbers if available)
- For accounts without beneficiary: Letters Testamentary or Letters of Administration from the court
- For small estates: Small Estate Affidavit as permitted under Washington state law (RCW 11.62)
- For trust accounts: trust documentation including successor trustee provisions and trustee ID
- For IRA accounts: IRA beneficiary claim forms and applicable distribution election forms
What to know at this institution
Visiting a local branch is the most direct way to initiate the estate settlement process. A Coastal Community Bank branch team member can help open an estate account if needed to manage proceeds and pay estate obligations. Washington is a community property state, which may affect the disposition of jointly held or community property assets. Coastal is also the chartered bank behind many fintech deposit and card products through its CCBX Banking-as-a-Service segment. If the deceased held an account opened through a CCBX partner fintech (a branded app or program rather than a Coastal Community Bank branch account), the estate contact is the fintech program's own support team, which administers the account and coordinates any deceased-account handling with Coastal as the bank of record. Accounts opened directly with Coastal Community Bank branches are handled by Coastal at 425-257-9000.
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. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower’s revocable trust.
- Deceased borrower's full legal name, Social Security number, and loan number
- Certified copy of the death certificate
- 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 form (obtained from loan servicing department)
- Documentation proving ownership interest in the property: 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 (if surviving spouse)
What to know at this institution
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. § 1701j-3), Coastal Community Bank cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules.
Prepare your letter of instruction to Coastal Community Bank
Coastal Community Bank accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Coastal Community Bank's verified claims department, with the documents it requires enclosed.
Build your letter of instructionOpening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
How to open an estate account at Coastal Community Bank →Expected timelines at Coastal Community Bank: 5-10 business days after all documentation is received, though complex estates may take longer. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Coastal Community Bank includes Certified copy of the death certificate, Valid government-issued photo ID for the claimant (beneficiary, executor, or administrator), and Account information for the deceased (account numbers if available), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
When an account holder with a POD (Payable on Death) designation dies, the named beneficiary can claim the account funds by visiting a Coastal Community Bank branch with a certified copy of the death certificate and a valid government-issued photo ID. POD accounts bypass the probate process and pass directly to the named beneficiary.
Yes. You can name a revocable living trust as the beneficiary of your Traditional IRA, Roth IRA, Flex IRA, or IRA CD at Coastal Community Bank. However, IRA accounts cannot be retitled into the trust name. The IRA remains in the individual owner's name, and the trust receives the IRA proceeds upon death through the beneficiary designation. Visit a branch or call 425-257-9000 to complete an IRA Beneficiary Designation form.
Notify Coastal Community Bank at 425-257-9000 or visit a branch. The bank will provide a Successor in Interest documentation package. Under the Garn-St. Germain Act (12 U.S.C. 1701j-3), the lender cannot enforce the due-on-sale clause when property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Heirs confirmed as Successors in Interest can continue making payments, assume the loan, refinance, or pay off the balance.
Coastal Community Bank's Customer eXperience (CX) Team can be reached by phone at 1-425-257-9000 and email at customerservice@coastalbank.com for questions throughout the claims process.
If the deceased held multiple Coastal Community Bank accounts, each may require a separate claim or have different documentation requirements. The Customer eXperience (CX) Team can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Coastal Community Bank primary sources (18 pages reviewed). How we research.
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
Customer eXperience (CX) Team
Coastal Community Bank, P.O. Box 12220, Everett, WA 98206
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