How to name beneficiaries and fund a trust at America First
Covers 14 deposit, 6 retirement, and 1 investment accounts — beneficiaries must be updated in-branch
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more →
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Mar 2026
Preparing your America First accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because America First 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 21 product types, America First 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.
Classic CheckingPremium CheckingMoney Market CheckingYouth CheckingShare SavingsMoney Market SavingsStudent SavingsYouth SavingsHealth Savings Account (HSA)Regular Certificate (CD)Bump-Rate CertificateFlexible CertificateLadder CertificateDedicated Savings
1Visit any America First branch
2Request AFCU Form #40 (POD Designation) for deposit accounts, or Form #211 to name a trust as POD beneficiary
3Provide government-issued photo ID
4Complete form with primary and contingent beneficiaries (name, address, SSN, date of birth, relationship)
5For trusts as beneficiary: provide trust name, date established, and EIN
6Sign the form -- signature must be witnessed by a credit union employee or notarized
7Submit completed form to branch representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the primary member signs to add or change a POD beneficiary
- Signatures must be notarized unless witnessed by a credit union employee
- POD form does not apply to IRA, HSA, Coverdell Education Savings, or Trust Accounts
- To designate a trust as POD beneficiary, use AFCU Form #211 instead of Form #40
- IRA beneficiaries must be designated on separate AFCU Form #424
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- Additional NCUA insurance coverage available with multiple POD beneficiaries (up to $250,000 per beneficiary)
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more →
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Mar 2026
Estate planning documents for America First customers
Free documents designed to protect your America First accounts.