What to do when a OnPoint Community CU account holder dies
Contact OnPoint Community CU — 3-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 Apr 2026
After a OnPoint Community CU member dies, the Member Services (Death Claims) manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
To start, call OnPoint Community CU at 1-503-228-7077. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
Here is the step-by-step death claim process at OnPoint Community CU:
Filing a claim
1
Notify OnPoint Community Credit Union of the death:
- Call 503-228-7077 or 800-527-3932, or visit any branch
- Provide a certified copy of the death certificate
2
Account disposition depends on ownership type:
- For joint accounts with right of survivorship: the surviving owner retains access; the deceased owner's interest passes to the surviving owner(s)
- For joint accounts without right of survivorship: the deceased owner's interest passes to the deceased owner's estate
- For POD beneficiary accounts: the funds pass to the named POD beneficiary or beneficiaries upon presentation of the death certificate and proper identification
- For accounts without POD or joint ownership: provide Letters Testamentary or Letters of Administration from the probate court
- For IRA accounts: beneficiaries must complete IRA distribution paperwork per the IRA agreement
3
OnPoint 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.
Expected 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. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
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.
OnPoint Community CU's Member Services (Death Claims) can be reached by phone at 1-800-527-3932 for questions throughout the claims process.
When the deceased had multiple OnPoint Community CU accounts, some may need separate claims while others can be handled together. The Member Services (Death Claims) can clarify what's needed for each account type.
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 Apr 2026
Estate planning articles
Learn how to protect your OnPoint Community CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
