How to name beneficiaries and fund a trust at American Heritage
Covers 13 deposit, and 3 retirement accounts — beneficiaries can be managed online
Phone1-215-969-0777
Toll-Free1-800-342-0008
Fax1-215-676-6912
Mailing Address
American Heritage Credit Union, 2060 Red Lion Road, Philadelphia, PA 19115
After Hours
WebsiteLearn more→
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
WebsiteNotify online→
Verified Apr 2026
Estate planning at American Heritage means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because American Heritage 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 16 product types, American Heritage 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.
Totally Free Checking AccountIdentity Protection Checking AccountVIP Checking AccountPlatinum Checking AccountCash Management Checking AccountShare Savings AccountClub AccountHigh-Yield Savings AccountMoney Market AccountVIP Money Market AccountPlatinum Money Market AccountShare CertificateBump-Up Certificate
1
Navigate to americanheritagecu.org/account-maintenance-request-forms
2
Select "Add a Beneficiary to an Individual Account"
3
Complete the DocuSign form with beneficiary details:
- Full name, date of birth, Social Security number, and relationship
- Percentage allocation if naming multiple beneficiaries
4
Submit the electronically signed form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations available on checking, savings, money market, and certificate accounts
- IRA accounts use a separate beneficiary designation form
- Disbursement of an IRA varies depending on whether a beneficiary was elected and the relationship of the beneficiary
- IRA accounts closed without early withdrawal penalty upon death; funds disbursed to Beneficiary IRA account(s)
- POD accounts are NCUA-insured separately up to $250,000 per beneficiary
- Changes can be made at any time by submitting a new form
- Online forms processed via DocuSign electronic signature
Phone1-215-969-0777
Toll-Free1-800-342-0008
Fax1-215-676-6912
Mailing Address
American Heritage Credit Union, 2060 Red Lion Road, Philadelphia, PA 19115
After Hours
WebsiteLearn more→
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
Account Services
Fax1-215-969-1246
Mailing Address
American Heritage Credit Union, Attn: Account Services, 2060 Red Lion Road, Philadelphia, PA 19115
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your American Heritage accounts and other assets with trusts, beneficiary designations, and estate planning documents.
