Estate planning at First Community CU
How to protect 15 First Community CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone(701) 252-0360
Toll-Free1-800-850-7676
Emailfccu@myfccu.com
Fax(701) 253-5133
Mailing Address
111 9th Street SW, Jamestown, ND 58401
Debit Card 24-Hour Service
Credit Card 24-Hour Service
WebsiteLearn more→
Phone(701) 252-0360
Toll-Free1-800-850-7676
Emailfccu@myfccu.com
Fax(701) 253-5133
Mailing Address
111 9th Street SW, Jamestown, ND 58401
Debit Card 24-Hour Service
Credit Card 24-Hour Service
WebsiteLearn more→
Death Claims
Phone1-800-850-7676
Toll-Free1-800-850-7676
Fax(701) 253-5133
Mailing Address
First Community Credit Union, PO Box 2180, Jamestown, ND 58402-2075
Verified Apr 2026
First Community CU offers 15 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, First Community CU membership open to North Dakota residents who live within a 75-mile radius of Jamestown, Devils Lake, Page, or Portland; within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, or Wishek; within a 40-mile radius of Bisbee or Larimore; or in Marshall County, MN, and portions of Kittson County, MN (within a 75-mile radius of 2315 North Acres Dr., Crookston, MN). Immediate family of existing members also qualify. 26 branches throughout North Dakota and western Minnesota. 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.
Beneficiary changes at First Community CU can be made in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
First Community CU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at First Community CU.
View details →When someone dies
Death claim process
5-step process, 5 required documents, and contact information for survivors.
View details →Because First Community CU 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. Visit any First Community branch with your trust document (or Certificate of Trust), government-issued photo ID for all trustees, and the trust EIN or SSN. You will complete new account paperwork in the trust name. Existing accounts may need to be closed and reopened under the trust title. IRA, Coverdell ESA, and HSA accounts cannot be retitled to a trust but can name a trust as beneficiary (except Coverdell ESA). An alternative is to name your trust as POD beneficiary on personal deposit accounts.
Membership is open to North Dakota residents who live within a 75-mile radius of Jamestown, Devils Lake, Page, or Portland; within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, or Wishek; within a 40-mile radius of Bisbee or Larimore; or in Marshall County, MN, and portions of Kittson County, MN (within a 75-mile radius of 2315 North Acres Dr., Crookston, MN). Immediate family of an existing member also qualify regardless of location.
Both are free checking accounts requiring the same monthly qualifications (12 debit card purchases, eStatements enrollment, online banking login). Kasasa Cash earns 2.50% APY on balances up to $25,000 when qualifications are met, making it ideal for members who maintain higher checking balances. Kasasa Cash Back earns 3.00% cash back on debit card purchases (up to $7.50 per cycle, $90 annually) when qualifications are met, making it better for frequent debit card users. Both accounts offer nationwide ATM fee reimbursement up to $25 per cycle and pair with a free linked Kasasa Saver account.
First Community offers Traditional and Roth IRAs with no setup, monthly, or annual fees. The annual contribution limit is $7,000, with an additional $1,000 catch-up contribution for members age 50 and older. Roth IRA contributions are subject to income eligibility. You can hold IRA funds in regular savings or purchase CDs within the IRA for higher yields. NCUA insurance covers IRA accounts separately from non-retirement accounts, up to $250,000. IRAs cannot be retitled to a trust, but a trust can be named as beneficiary.
Yes, in a limited area of western Minnesota. Membership is available to residents of Marshall County, Minnesota, and portions of Kittson County, Minnesota (within a 75-mile radius of 2315 North Acres Dr., Crookston, MN). Immediate family of existing members also qualify regardless of their state of residence. First Community operates 26 branches throughout North Dakota and western Minnesota.
Sources
Data sourced from First Community CU primary sources (19 pages reviewed). How we research.
Phone(701) 252-0360
Toll-Free1-800-850-7676
Emailfccu@myfccu.com
Fax(701) 253-5133
Mailing Address
111 9th Street SW, Jamestown, ND 58401
Debit Card 24-Hour Service
Credit Card 24-Hour Service
WebsiteLearn more→
Phone(701) 252-0360
Toll-Free1-800-850-7676
Emailfccu@myfccu.com
Fax(701) 253-5133
Mailing Address
111 9th Street SW, Jamestown, ND 58401
Debit Card 24-Hour Service
Credit Card 24-Hour Service
WebsiteLearn more→
Death Claims
Phone1-800-850-7676
Toll-Free1-800-850-7676
Fax(701) 253-5133
Mailing Address
First Community Credit Union, PO Box 2180, Jamestown, ND 58402-2075
Verified Apr 2026
Estate planning articles
Learn how to protect your First Community CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
