What to do when a Pacific Enterprise account holder dies
Contact Pacific Enterprise — 4-step process, 5 required documents, and varies based on account type and documentation; pod claims typically faster than probate
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank Customer Service
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Verified May 2026
After a Pacific Enterprise account holder dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Pacific Enterprise's United Business Bank Customer Service at (949) 623-7600 with the proper legal authority documents.
The first step is contacting Pacific Enterprise at (949) 623-7600 with the account holder's full name, account numbers, and a certified death certificate in hand.
Death claim process
Follow these steps to file a death claim with Pacific Enterprise:
Filing a claim
1
Notify Pacific Enterprise Bank of the account holder's death:
- Call United Business Bank (Irvine branch) at (949) 623-7600 or visit the branch at 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
- Provide the deceased account holder's full legal name and account number
2
Provide a certified death certificate
3
Choose the appropriate settlement path based on account type:
- For POD accounts: beneficiary provides death certificate and valid government-issued ID to claim funds
- For joint accounts with survivorship: ownership passes automatically to surviving owner(s)
- For non-POD individual accounts: executor provides Letters Testamentary or Letters of Administration
- For IRA accounts: beneficiary provides death certificate and completes distribution paperwork
4
Complete any required claim forms provided by the bank
Required Documents
- Certified death certificate
- Government-issued photo ID for beneficiary or authorized representative
- Letters Testamentary or Letters of Administration (for probate estates)
- Trust documentation (if account was held in trust)
- Small Estate Affidavit (if applicable under California Probate Code 13100-13116)
Pacific Enterprise Bank was acquired by BayCom Corp and merged into United Business Bank effective February 1, 2022. Former Pacific Enterprise Bank customers should contact United Business Bank at (949) 623-7600 or visit https://www.unitedbusinessbank.com for all current banking needs including death claims. California small estate threshold: $208,850 (effective April 1, 2025; adjusted periodically per Cal. Prob. Code 13100).
Processing timelines at Pacific Enterprise: Varies based on account type and documentation; POD claims typically faster than probate. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by Pacific Enterprise includes Certified death certificate, Government-issued photo ID for beneficiary or authorized representative, and Letters Testamentary or Letters of Administration (for probate estates), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Pacific Enterprise Bank merged into United Business Bank (a BayCom Corp subsidiary) on February 1, 2022. The same Irvine branch at 17748 Sky Park Circle, Suite 100 now operates under the United Business Bank name. For death claim processing on any account that originated at Pacific Enterprise Bank, bring a certified death certificate plus Letters Testamentary (or Small Estate Affidavit under Cal. Prob. Code 13100 if the total California estate is at or below $208,850) to the Irvine branch, or call (949) 623-7600. Account numbers from Pacific Enterprise Bank remain searchable in United Business Bank's system.
SBA 7(a), SBA 504, and commercial real estate loans originated by Pacific Enterprise Bank now sit on United Business Bank's balance sheet (or were sold to the SBA secondary market). The loan does not extinguish at death. The personal guarantor's estate remains liable, and the loan must be addressed through probate or by the surviving business entity. SBA guaranty does not pay off the loan to heirs - it only protects the lender against borrower default. Contact United Business Bank at (949) 623-7600 with the death certificate and Letters Testamentary; the bank will route the file to SBA-loan servicing for payoff, assumption, or workout options.
Former Pacific Enterprise Bank deposit accounts are now held at United Business Bank following the February 1, 2022 merger. To add or update a Payable on Death (POD) beneficiary designation, visit the Irvine branch at 17748 Sky Park Circle, Suite 100, Irvine, CA 92614, or call (949) 623-7600. Bring a valid government-issued photo ID and the beneficiary's full legal name and identifying information. POD designations allow deposit accounts to pass directly to named beneficiaries without going through probate.
Pacific Enterprise's United Business Bank Customer Service can be reached by phone at (949) 623-7600 for questions throughout the claims process.
Multiple Pacific Enterprise accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the United Business Bank Customer Service to confirm what applies.
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank Customer Service
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Verified May 2026
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