What to do when an OnPoint Community CU account holder dies
Report the death to OnPoint Community CU's OnPoint Contact Center at 1-800-527-3932
After a member of OnPoint Community CU dies, the OnPoint Contact Center 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 the 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
- Give the account number, the date and exact amount of the check or ACH debit, and the check number or ACH originator
- An ACH stop request must arrive at least three business days before the scheduled transfer
- OnPoint may require written confirmation of an oral stop request within 14 days. A written request lasts six months
Required Documents
- Evidence of the successor trustee's authority, such as a certification of trust, for a trust accountOnPoint may withhold payment until it has proper evidence of trustee authority. The trustee also gives written notice of the trustee change.
- The will or court order that establishes the fiduciary authority, for a personal representative opening an estate account
What happens to each kind of account11
- Account in one name
On an individual account, the owner's interest passes, subject to applicable law, to the POD payee or to the owner's estate.1
- Joint account with survivorship
A joint account includes rights of survivorship unless stated otherwise, so the sums pass to the surviving owners. A surviving owner's interest remains subject to OnPoint's statutory lien for the deceased owner's obligations and to any pledge the deceased owner granted.1
- Joint account without survivorship
On a joint account without survivorship, the deceased owner's interest passes to the estate.1
- Payable-on-death account
When the last owner dies, the account is payable to the named and surviving POD payees, jointly and equally with rights of survivorship unless designated otherwise.1
- Trust account
On a formal trust account, OnPoint may withhold payment until proper evidence of trustee authority is provided. The trustee must notify it in writing of a trustee change.1
- Custodial account (UTMA/UGMA)
When the custodian of a UTMA account dies, OnPoint may hold the account until it receives instructions from a person authorized by law to withdraw the funds, or a court order.1
- Fiduciary account
A personal representative can open a fiduciary account at OnPoint. The estate is the sole owner; the personal representative acts for it under the will or court order establishing the relationship, has no ownership interest, and is the only party authorized to transact on it.1
- IRA
An IRA is governed by its separate beneficiary designation, not by a POD designation.1
- Health savings account
An HSA is governed by its separate beneficiary designation, not by a POD designation.1
- Certificate of deposit
At its option, OnPoint may pay a certificate before maturity without the early-withdrawal penalty when an account owner dies.1
- Debt protection, GAP or service contract
OnPoint's optional Payment Protection cancels consumer or home equity loan or line payments in the event of the borrower's death, subject to the debt protection contract.1
State law on paying a balance without lettersOregon, Washington
- Oregon
ORS 723.466
Oregon law permits a credit union to pay from a deceased member's balance on an affidavit, without letters testamentary or letters of administration.ORS 723.466Verified Oct 3, 2026View source
Paid to: surviving spouse
Limit: $25,000 held at the institution and $25,000 in total from every holder
When: at any time after the death
Paid to: Oregon Health Authority or Department of Human Services (no surviving spouse; preferred claim under ORS 411.708, 411.795 or 416.350)
Limit: $25,000 held at the institution and $25,000 in total from every holder
When: not less than 46 days and no more than 75 days after the death
Paid to: surviving children 18 or older; else surviving parent(s); else surviving brothers and sisters 18 or older; else any other surviving heir
Limit: $25,000 held at the institution and $25,000 in total from every holder
When: not earlier than 76 days after the death; not earlier than 46 days after the death where the institution obtains prior verbal or written authorization from both the Oregon Health Authority and the Department of Human Services
Paid to: estate administrator of the State Treasurer (intestate, no known heirs)
Limit: $25,000 held at the institution and $25,000 in total from every holder
The section permits the payment. It does not require the credit union to make it. The section sets further conditions.
- Washington
RCW 30A.22.190(2)
Washington law permits a credit union to pay from a deceased member'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 credit union to make it. The section sets further conditions.
RCW 30A.22.190(1)
Washington law permits a credit union to pay from a deceased member'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 credit union to make it. The section sets further conditions.
What OnPoint Community CU's agreement and guidance say8
- Telling the institution
The agreement asks for prompt notice when a member, account owner or authorized signer dies. Until OnPoint receives notice, it may honor all transfer orders, withdrawals, deposits and other transactions on the account without liability.1
- Payments after the death
Even after notice of death, OnPoint may continue to pay checks, drafts and other payment or transfer orders the deceased member authorized for ten days after the death, unless a person claiming an interest in the account instructs it to stop payment.1
- What it does when notified
Once notified, OnPoint may place a hold on the account and refuse withdrawals, and hold funds until it knows the identity of the successor.1
- Indemnity a claimant may have to give
OnPoint may require anyone claiming a deceased owner's funds to indemnify it for losses from honoring the claim.1
- Debts owed to the institution
OnPoint has a statutory lien and a consensual security interest in a member's accounts for amounts owed to it. The lien provision does not apply to IRA, HSA or other tax-qualified retirement accounts or to consumer credit card obligations.1
- Powers of attorney
An agent's authority under a power of attorney ends when the account owner dies.1
- Dormant and unclaimed accounts
An account with no deposit, withdrawal or member contact for three years (or as required by law) is presumed abandoned, and the funds are remitted under state law. After that, the funds are reclaimed from the state agency, not from OnPoint.1
- Fees
The Personal Fee Schedule lists a $25.00 stop payment fee.2
Not in OnPoint Community CU's published guidance3
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
Sources2
- 1.Membership & Account Agreement, effective April 1, 2026
- 2.Personal Fee Schedule, effective September 1, 2026
OnPoint Community CU's OnPoint Contact Center can be reached by phone at 1-800-527-3932 for questions throughout the claims process.
Sources
(3)·
Data sourced from OnPoint Community CU primary sources (21 pages reviewed). How we research.
OnPoint Community CU death claims support
OnPoint Contact Center
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