Estate planning at Alliant
How to protect 16 Alliant accounts — fund a trust online, and file claims through Alliant's Special Services (trust accounts)
Member Care Center
Alliant Credit Union, P.O. Box 66945, Chicago, IL 60666-0945
Special Services (trust accounts)
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945 (overnight: 11545 W. Touhy Avenue, Chicago, IL 60666)
Member Care Center (intake) and Special Services (account settlement)
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945 (courier/overnight: 11545 W. Touhy Ave, Chicago, IL 60666-0945)
How your Alliant accounts transfer at death depends on how each one is set up. As a membership-based credit union, Alliant digital-only credit union serving members nationwide. No branch network — account settlement, trust account opening, and beneficiary changes are handled by phone (800-328-1935; international 773-462-2000), secure email upload, mail, or fax. Anyone can qualify for membership by becoming an Alliant Credit Union Foundation digital inclusion advocate, with Alliant making a one-time $5 contribution on the applicant's behalf (Trust Account Application A530-R04/25). With 16 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary designations at Alliant can be managed by mail, typically taking 15-30 minutes to complete the form; Alliant does not publish a processing time. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at Alliant: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to fund a trust online, and review 16 account types at Alliant.
View details →When someone dies
Death claim process
Contact Alliant's Special Services (trust accounts) to file a claim. 5-step process, 6 required documents, and contact information for survivors.
View details →Reach Alliant's Special Services (trust accounts) at 773-462-2182 for help with any of these procedures.
Frequently asked questions
No. Alliant's Trust Account Application (A530) states plainly that it does not change the name of an existing account — a NEW account is opened in the name of your trust, and you move funds into it. You can open Trust Savings, Trust Checking, or a trust certificate, either through the DocuSign application linked from alliantcreditunion.org/invest/trust-account or on paper by mail to Special Services. Alliant asks for the pages of your Trust Agreement or Certification of Trust that show the type of trust, the trust name, the date it was established, the names of the trustees and successor trustees, whether trustees may act independently or must act together, the beneficiaries, and the signature and notary seal, plus the most recent amendment if the trust has been amended. Trust accounts cannot hold a debit or savings ATM card, a credit card, loans, mortgages, home equity products, or IRAs, so Alliant encourages trust owners to keep an individual membership as well.
A trust can be named as beneficiary on a personal Alliant account. Alliant asks you to enter it using its own field convention: the first word of the trust name goes in the First name field and the rest goes in the Last name field (for example, First: "The", Last: "Smith Family Trust"), the trust's creation date goes in the date-of-birth field, and the SSN or EIN associated with the trust goes in the SSN field. Contingent beneficiaries are a different story: the Beneficiary Add/Delete Form states that Alliant does not offer contingent beneficiaries on deposit accounts — only primary ones — and that if a beneficiary predeceases you, that share is split equally among the surviving beneficiaries. Naming a trust as the primary beneficiary is one way to carry the contingent instructions Alliant will not hold. Alliant IRAs are the exception: the IRA Beneficiary Designation/Change form (G311) does provide for secondary beneficiaries, and it requires spousal consent if your spouse is not named a primary beneficiary for at least 50 percent.
Sources
Data sourced from Alliant primary sources (15 pages reviewed). How we research.
Member Care Center
Alliant Credit Union, P.O. Box 66945, Chicago, IL 60666-0945
Special Services (trust accounts)
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945 (overnight: 11545 W. Touhy Avenue, Chicago, IL 60666)
Member Care Center (intake) and Special Services (account settlement)
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945 (courier/overnight: 11545 W. Touhy Ave, Chicago, IL 60666-0945)
Estate planning articles
Learn how to protect your Alliant accounts and other assets with trusts, beneficiary designations, and estate planning documents.
