What to do when a Pawtucket CU account holder dies
Contact Pawtucket CU — 4-step process, 5 required documents, and varies by account type and complexity. joint accounts with survivorship transfer immediately. pod and estate claims typically take several weeks.
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
After a Pawtucket CU member dies, the Retail Services Department 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.
The claim process begins with a phone call to 1-401-722-2212. Have the account holder's full name, account numbers, and a certified death certificate available when making initial contact.
Death claim process
Follow these steps to file a death claim with Pawtucket CU:
Filing a claim
1
Notify Coastal1 by calling 401-722-2212 or 800-298-2212, or visit any branch location
2
Provide a certified copy of the death certificate
3
Proceed based on account type:
- Joint accounts with right of survivorship: surviving owner retains access to funds
- POD beneficiary accounts: named beneficiaries present certified death certificate and government-issued ID to claim funds
- Accounts without beneficiary or joint owner: personal representative provides Letters Testamentary or Letters of Administration from probate court
- Trust accounts: successor trustee provides certified death certificate, trust documents, and government-issued ID
- IRA accounts: beneficiaries complete IRA beneficiary distribution forms
4
Coastal1 processes the claim and distributes funds according to account ownership and designations
Required Documents
- Certified death certificate
- Government-issued photo ID for claimant
- Letters Testamentary or Letters of Administration (if personal representative)
- Trust documents and successor trustee certification (for trust accounts)
- IRA beneficiary distribution forms (for retirement accounts)
Contact the Loan Servicing Department for information about outstanding loan balances held by a deceased member. Credit card accounts are issued through Elan Financial Services; contact 800-558-3424 (personal) or 866-552-8855 (business) for deceased cardholder matters.
How long the process takes at Pawtucket CU: Varies by account type and complexity. Joint accounts with survivorship transfer immediately. POD and estate claims typically take several weeks. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Pawtucket CU includes Certified death certificate, Government-issued photo ID for claimant, and Letters Testamentary or Letters of Administration (if personal representative), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Yes. Pawtucket Credit Union rebranded as Coastal1 Credit Union in 2022, but the underlying federal charter and member accounts are unchanged. Account ownership, POD beneficiary designations, joint titling, and any trust-titled accounts established under the Pawtucket Credit Union name remain in force at Coastal1. The website pcu.org redirects to coastal1.org. Beneficiaries and successor trustees can present the death certificate and required documents at any Coastal1 branch or contact 401-722-2212.
Rhode Island allows the personal representative of a small estate to collect personal property (including credit union accounts) by affidavit if the decedent's probate estate does not exceed $15,000 under R.I. Gen. Laws Section 33-24-1, after a 30-day waiting period. Coastal1 does not publish a credit union-specific small estate affidavit, so the personal representative typically presents the certified death certificate, government-issued photo ID, and either the Rhode Island Probate Court voluntary executor or administrator certificate. Contact the Retail Services Department at 401-722-2212 to confirm Coastal1's current documentation requirements before bringing forms to a branch.
Notify Coastal1 at 401-722-2212 or 800-298-2212, or visit any branch. For joint accounts with right of survivorship, the surviving owner retains access immediately. For POD beneficiary accounts, named beneficiaries present a certified death certificate and government-issued ID. Accounts without a beneficiary or joint owner require Letters Testamentary or Letters of Administration from probate court. For trust accounts, the successor trustee provides certified death certificate, trust documents, and government-issued ID. The Loan Servicing Department handles outstanding loan balances for deceased members. Credit card accounts issued through Elan Financial Services should be reported to 800-558-3424 (personal) or 866-552-8855 (business).
Pawtucket CU's Retail Services Department can be reached by phone at 1-800-298-2212 for questions throughout the claims process.
When the deceased had multiple Pawtucket CU accounts, some may need separate claims while others can be handled together. The Retail Services Department can clarify what's needed for each account type.
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
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