What to do when a OnPoint Community CU account holder dies
Contact OnPoint Community CU — 8-step process, 6 required documents, and pod accounts typically process within 5-10 business days after all documentation is received; accounts requiring probate depend on court timelines
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more →
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more →
Member Services (Death Claims)
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteNotify online →
Verified Mar 2026
When a OnPoint Community CU member passes away, the Member Services (Death Claims) 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.
OnPoint Community CU 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 OnPoint Community CU:
Filing a claim
1Notify OnPoint Community Credit Union of the death by calling 503-228-7077 or 800-527-3932, or by visiting any branch
2Provide a certified copy of the death certificate
3For joint accounts with right of survivorship: the surviving owner retains access; the deceased owner's interest passes to the surviving owner(s)
4For joint accounts without right of survivorship: the deceased owner's interest passes to the deceased owner's estate
5For POD beneficiary accounts: the funds pass to the named POD beneficiary or beneficiaries upon presentation of the death certificate and proper identification
6For accounts without POD or joint ownership: provide Letters Testamentary or Letters of Administration from the probate court
7For IRA accounts: beneficiaries must complete IRA distribution paperwork per the IRA agreement
8OnPoint may withhold payment of funds to any party until proper evidence of authority is provided
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (for estate representative)
- Small estate affidavit (if applicable under Oregon or Washington law)
- Trust documentation (if successor trustee is claiming trust accounts)
- IRA beneficiary distribution forms (for retirement accounts)
OnPoint advises executors to notify beneficiaries and interested parties of the death as soon as possible. Gather estate asset records including bank accounts, vehicle information, retirement accounts, life insurance, investments, trusts, property titles, and personal belongings. Debts and taxes of the estate must be paid including funeral expenses. Cancel subscriptions and services such as phone plans, internet, utilities, car insurance, credit cards, and other accounts. Locate the will to determine if probate is necessary.
Processing timelines at OnPoint Community CU: POD accounts typically process within 5-10 business days after all documentation is received; accounts requiring probate depend on court timelines. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
OnPoint Community CU requires several documents to process a claim, including Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (for estate representative), 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
Contact OnPoint Member Services at 503-228-7077 or 800-527-3932, or visit any branch to request a POD beneficiary designation form. Complete the form with the beneficiary's full legal name and identifying information. All account owners must sign the form. POD designations are available on checking, savings, money market, and certificate of deposit accounts. IRA and HSA accounts use a separate beneficiary designation process.
Notify OnPoint by calling 503-228-7077 or 800-527-3932, or by visiting any branch. Provide a certified copy of the death certificate. For joint accounts with right of survivorship, the surviving owner retains access. For POD beneficiary accounts, the funds pass to the named beneficiaries. For accounts requiring probate, provide Letters Testamentary or Letters of Administration.
For joint accounts with right of survivorship, the deceased owner's interest passes to the surviving owner(s), who retain full access to the account. For joint accounts without right of survivorship, the deceased owner's interest passes to their estate and may require probate proceedings.
OnPoint Community CU's Member Services (Death Claims) can be reached by phone at 1-800-527-3932 for questions throughout the claims process.
If the deceased held multiple OnPoint Community CU accounts, each may require a separate claim or have different documentation requirements. The Member Services (Death Claims) can confirm which accounts require individual attention and which can be processed together.
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more →
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more →
Member Services (Death Claims)
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteNotify online →
Verified Mar 2026
Tools for settling a OnPoint Community CU estate
Calculators and checklists to help navigate estate settlement after a OnPoint Community CU account holder passes away.
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Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
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