How to name beneficiaries and fund a trust at Alliant
Covers 9 deposit, 3 retirement, and 1 investment accounts — beneficiaries can be managed online
Phone1-800-328-1935
Mailing Address
Alliant Credit Union, P.O. Box 66945, Chicago, IL 60666-0945
International Callers
WebsiteLearn more→
Special Services
Phone1-773-462-2182
Fax1-773-462-2124
Mailing Address
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945
WebsiteLearn more→
Special Services
Phone1-800-328-1935
Fax1-773-462-2124
Mailing Address
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945
Special Services Direct
WebsiteNotify online→
Verified May 2026
There are two ways to keep your Alliant accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Alliant is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
Alliant has 13 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Alliant High-Rate CheckingAlliant High-Rate SavingsAlliant Jumbo SavingsAlliant Supplemental SavingsAlliant CertificateAlliant Jumbo CertificateAlliant Teen CheckingAlliant Kids SavingsAlliant Custodial Account (UTMA)
1
Log in to your Alliant Online Banking account
2
Navigate to account settings or beneficiary management
3
Select the account you want to add a beneficiary to
4
Enter beneficiary details: full name, date of birth, and relationship
5
Specify percentage allocation for each beneficiary (must total 100%)
6
Review and confirm your beneficiary designations
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiaries may NOT be added to checking accounts per Alliant policy
- Beneficiaries CAN be added to savings accounts and certificates
- A beneficiary cannot be added to a certificate over the phone
- Beneficiaries and joint owners cannot be the same person on the same Share ID
- Trusts can be designated as beneficiaries on eligible accounts
- Alliant does not offer contingent beneficiary designations; only primary beneficiaries are supported
- IRA beneficiaries require a separate IRA Beneficiary Designation/Change form
- Contact a Member Service Representative at 800-328-1935 (24/7) for help determining your Share ID
Phone1-800-328-1935
Mailing Address
Alliant Credit Union, P.O. Box 66945, Chicago, IL 60666-0945
International Callers
WebsiteLearn more→
Special Services
Phone1-773-462-2182
Fax1-773-462-2124
Mailing Address
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945
WebsiteLearn more→
Special Services
Phone1-800-328-1935
Fax1-773-462-2124
Mailing Address
Alliant Credit Union, Attn: Special Services, P.O. Box 66945, Chicago, IL 60666-0945
Special Services Direct
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Alliant accounts and other assets with trusts, beneficiary designations, and estate planning documents.
