How to name beneficiaries and fund a trust at Addition Financial
Covers 14 deposit, and 3 retirement accounts — beneficiaries must be updated in-branch
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more →
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more →
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Feb 2026
Preparing your Addition Financial accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Addition Financial is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
With 17 product types, Addition Financial offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Free CheckingClassic CheckingBenefits CheckingOpportunity CheckingShare SavingsSavings PlusHoliday & Summer SavingsMoney MarketGrowth Plus Money MarketTerm Share CertificateBump-Up CertificateStudent CheckingHealth Savings Account CheckingHealth Savings Account
1Visit any Addition Financial branch with government-issued photo ID
2Request a Payable on Death (POD) beneficiary designation update
3Provide beneficiary information: full name, date of birth, Social Security number, and relationship
4Specify primary and contingent beneficiaries with percentage allocations
5Complete and sign the updated Account Card
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD (Payable on Death) available for deposit accounts (checking, savings, money market, share certificates)
- Single-party accounts with POD designation pass directly to beneficiaries outside of probate
- Single-party accounts without POD designation pass through the estate
- Joint accounts with right of survivorship pass to the surviving owner(s)
- IRA beneficiary designations are separate from deposit account POD designations
- Trust, estate, representative payee, UTMA, VA, and guardianship accounts require an in-branch appointment
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more →
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more →
Member Services
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Credit Union, PO Box 958471, Lake Mary, FL 32795-8471
Verified Feb 2026
Estate planning documents for Addition Financial customers
Free documents designed to protect your Addition Financial accounts.