Preparing your Atlantic FCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Atlantic FCU 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 14 product types, Atlantic FCU 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.

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1Visit any Atlantic FCU branch location

2Request to add or update POD beneficiary designations on deposit accounts

3Provide government-issued photo ID

4Complete the POD designation with beneficiary details and allocation percentages

5Sign and submit the form; changes take effect upon processing

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 beneficiaries require a separate IRA Beneficiary Designation form
Joint account owners have automatic right of survivorship
Trusts can be named as POD beneficiaries on eligible deposit accounts
No online beneficiary management available; must visit branch, call, or mail