Estate planning at Pawtucket CU
How to protect 16 Pawtucket CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteLearn more→
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteLearn more→
Retail Services Department
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteNotify online→
Verified May 2026
Pawtucket CU offers 16 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Pawtucket CU largest federal credit union in Rhode Island. Operates 18 branches across Rhode Island and southeastern Massachusetts. Branch locations include Pawtucket (headquarters and additional branches), Providence, Cranston, Warwick, East Providence, Rumford, North Providence, Johnston, Smithfield, Cumberland, Bristol, East Greenwich, North Kingstown, Wakefield, and North Attleboro, MA. 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.
Pawtucket CU handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Pawtucket 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 16 account types at Pawtucket CU.
View details →When someone dies
Death claim process
4-step process, 5 required documents, and contact information for survivors.
View details →Because Pawtucket 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. Coastal1 accepts trust accounts for eligible deposit products including checking, savings, money market accounts, and certificates of deposit. To retitle an account, visit any Coastal1 branch location or contact the Retail Services Department at 401-722-2212. Bring the complete trust document or a Certification of Trust, government-issued photo ID for all trustees, and the trust tax identification number (TIN/EIN). IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Yes. Coastal1 Traditional IRA and Roth IRA accounts can name a trust as a beneficiary. Contact the Retail Services Department at 401-722-2212 or visit any branch to complete an IRA beneficiary designation. IRA accounts cannot be retitled directly into a trust's name. Consult a tax advisor before naming a trust as an IRA beneficiary, as specific distribution rules apply under federal law.
Sources
Data sourced from Pawtucket CU primary sources (14 pages reviewed). How we research.
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteLearn more→
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteLearn more→
Retail Services Department
Phone1-401-722-2212
Toll-Free1-800-298-2212
Mailing Address
Coastal1 Credit Union, 1200 Central Avenue, Pawtucket, RI 02861
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Pawtucket CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
