How to name beneficiaries and fund a trust at Addition Financial
Covers 14 deposit, and 3 retirement accounts — beneficiaries must be updated in-branch
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, 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 Apr 2026
Estate planning at Addition Financial means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because Addition Financial is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Without one of these in place, accounts may require probate before your family can access the funds.
Across 17 product types, Addition Financial accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Free CheckingClassic CheckingBenefits CheckingOpportunity CheckingHealth Savings Account CheckingShare SavingsSavings PlusHoliday & Summer SavingsHealth Savings AccountMoney MarketGrowth Plus Money MarketTerm Share CertificateBump-Up CertificateStudent Checking
1
Visit any Addition Financial branch with government-issued photo ID
2
Request a Payable on Death (POD) beneficiary designation update
3
Provide beneficiary information:
- Full name, date of birth, Social Security number, and relationship
- Primary and contingent beneficiaries with percentage allocations
4
Complete 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
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, PO Box 958471, Lake Mary, FL 32795-8471
WebsiteLearn more→
Contact Center
Phone1-407-896-9411
Toll-Free1-800-771-9411
Fax1-407-333-7920
Mailing Address
Addition Financial Contact Center, 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 Apr 2026
Estate planning articles
Learn how to protect your Addition Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
