What happens to your Pawtucket CU accounts when you die

Coastal1 Advantage Checking

Earns 3.25% APY on balances up to $20,000 and 0.35% on amounts over $20,000. $25 minimum to open. Monthly eligibility requirements: electronic statements through Online Banking, at least 6 debit card point-of-sale transactions, and at least one external ACH credit or debit; otherwise a $25 monthly service charge. Includes a 0.10% bonus rate on any Coastal1 CD, foreign ATM fee rebates up to $25 per month, free cashier checks and money orders, free stop payments on checks, and free incoming domestic wires. Limit one per member.

Coastal1 Free Checking

No minimum balance requirement and no monthly service charge. Up to 6 foreign ATM fee rebates per month and a free first order of basic checks.

Coastal1 Spectrum Checking

Unlimited check writing, free ATM/debit card, free Online Banking and Bill Pay, and 10 foreign ATM transactions per month with no Coastal1 fee (ATM owners may charge). $25 to open. $12 monthly service charge unless a $1,000 average daily balance in checking or a $5,000 average daily balance across Coastal1 deposit, loan and mortgage accounts is maintained.

Coastal1 Direct Plus Checking

Interest-bearing checking (listed as Direct Checking Plus on the rates page) earning 0.10% APY on balances of $2,500 and over. Unlimited foreign ATM use with no Coastal1 fee and mobile deposit. $25 to open. Direct deposit required; otherwise a $10 monthly service charge.

Coastal1 Statement Savings

Savings account earning 0.10% APY on balances of $25 and over. $5 minimum to open. Interest credited monthly. Accessible via ATM.

Coastal1 Club Accounts

Vacation and Christmas Club accounts with a weekly deposit schedule. $5 minimum to open. Opened at a branch. The fee schedule lists a $5.00 Early Club Closeout fee.

Coastal1 Premier Money Market

Listed on the rates page as Premier Money Market Special: 2.50% APY on balances of $10,000 or more and 1.00% APY on balances from $25 to $9,999.99. $2,500 minimum to open. On-demand access to funds; interest credited monthly.

Coastal1 Certificate of Deposit

Fixed-rate certificates from 3 to 60 months; rates are published on coastal1.org/rates/deposits and change without notice. $1,000 minimum to open. Interest credited monthly or at maturity based on term. Early withdrawal penalty: three months interest on the amount withdrawn for an original maturity of one year or less, six months interest for longer terms. The rates page states: "In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty."

Coastal1 Traditional IRA

Available as IRA savings ($25 minimum to open, 0.10% APY) or IRA CD ($500 minimum). Opened at a branch. For the early withdrawal penalty on an IRA CD, the rates page refers to the plan disclosure.

Coastal1 Roth IRA

Available as IRA savings ($25 minimum to open) or IRA CD ($500 minimum). Opened at a branch.

Coastal1 Education Savings Account

Coverdell Education Savings Account, available as IRA savings ($25 minimum to open) or IRA CD ($500 minimum). Opened at a branch.