What to do when a Pawtucket CU account holder dies
Report the death to Pawtucket CU at 1-800-298-2212
Pawtucket CU operates under a new nameRebranded
Pawtucket Credit Union now operates as Coastal1 Credit Union. The NCUA lists the same Rhode Island charter, issued in 1928, at 1200 Central Avenue in Pawtucket under the name Coastal1, and pcu.org redirects to coastal1.org. There is no separate successor institution: Coastal1 channels (coastal1.org, 401-722-2212) serve accounts opened under the Pawtucket Credit Union name.
After a member of Pawtucket CU dies, Pawtucket CU 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.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Pawtucket CU.
Death claim process
Follow these steps to file a death claim with Pawtucket CU:
Filing a claim
What happens to each kind of account1
- Certificate of deposit
Coastal1's deposit rates page states that in certain circumstances, such as the death or incompetence of an owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.1
Accounts handled elsewhere2
- Elan Financial Services, Consumer Cardmember Service
Coastal1 consumer credit cards, which Elan issues2
Phone: 1-800-558-3424
- Elan Financial Services, Business Cardmember Service
Coastal1 business credit cards, which Elan issues2
Phone: 1-866-552-8855
What Pawtucket CU's agreement and guidance say1
- Dormant and unclaimed accounts
Coastal1's consumer fee schedule lists a Dormant Account Fee of $50.00 and an Inactivity Fee of $5.00 per month for an account with no activity for 12 months.3
Not in Pawtucket CU's published guidance5
- A procedure for reporting a death
- A claim form
- A list of required documents
- Whether the death certificate must be certified
- How long a claim takes
Sources3
- 1.Deposit Rates
- 2.Credit Cards
- 3.Consumer Service Fees, effective August 1, 2025
Sources
Data sourced from Pawtucket CU primary sources (22 pages reviewed). How we research.
Pawtucket CU death claims support
Call Center
Phone
Toll-free
Elan Consumer Cardmember Service (Coastal1 credit cards)
Elan Business Cardmember Service
Lost or stolen Visa debit/ATM card
Hours
Mailing address
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your Pawtucket CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
