Estate planning at Bayer Heritage
How to protect 11 Bayer Heritage accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
WebsiteLearn more →
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
WebsiteLearn more →
Member Services
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
Verified Feb 2026
Bayer Heritage is a credit union offering 11 accounts that interact with estate planning in different ways. As a membership-based credit union, Bayer Heritage membership is open to employees of Bayer Corporation entities named in the BHFCU Charter, immediate family of existing members, and individuals who live, work, worship, or attend school in Wetzel County WV, Tyler County WV, Monroe County OH, and select areas of Marshall County WV, Belmont County OH, Licking County OH, Berkeley County SC, Charleston County SC, and Muskingum County OH. Join with a $5 Share Account deposit. Bayer Heritage operates branches in West Virginia, Ohio, Pennsylvania, South Carolina, and Texas. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Bayer Heritage handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Bayer Heritage provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at Bayer Heritage.
View details →When someone dies
Death claim process
10-step process, 6 required documents, and contact information for survivors.
View details →Bayer Heritage operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Bayer Heritage Federal Credit Union offers trust accounts that can be set up using their checking or savings products. You need to provide a trust agreement or Certificate of Trust, government-issued ID for all trustees, and the trust TIN/EIN or grantor SSN. Visit any branch or call 800-272-6003 to start the process. Only the named Trustees may transact on the trust account.
Membership is open to employees of Bayer Corporation entities named in the BHFCU Charter, immediate family of existing members, and individuals who live, work, worship, or attend school in Wetzel County WV, Tyler County WV, Monroe County OH, and select areas of Marshall County WV, Belmont County OH, Licking County OH, Berkeley County SC, Charleston County SC, and Muskingum County OH. Join with a $5 Share Account deposit.
Yes. Bayer Heritage offers Traditional IRA and Roth IRA Share Accounts and Share Certificates for tax-deferred or tax-free retirement savings. The credit union accepts direct transfers and direct rollovers from IRAs and qualified pension plans from other institutions. IRA accounts cannot be titled to a trust, but a trust can be named as the beneficiary. IRA beneficiary designations are managed separately from deposit account POD designations.
Checking+ Rewards is Bayer Heritage's rewards checking account offering 1% cash back on debit card transactions (up to $10 per month), ATM fee refunds up to $15 per month, and zero checking fees. Members earn rewards by completing monthly activities: logging into online banking, choosing e-statements, making 15 or more debit card transactions, and receiving at least one direct deposit. The account is not available for commercial memberships.
Bayer Heritage's High Yield Savings account earns up to 10% APY on the first $1,000 in the account. It is designed to help members build savings with an above-market rate on initial balances. Standard dividend rates apply to balances above the promotional threshold.
Yes. Bayer Heritage offers Coverdell Education Savings Accounts (ESAs), which are trust or custodial accounts that provide a tax-advantaged method to save up to $2,000 per year per beneficiary for education expenses. Funds can be used for elementary, secondary, and post-secondary education including college, graduate school, and vocational school. Contact Bayer Heritage at 800-272-6003 for details.
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
WebsiteLearn more →
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
WebsiteLearn more →
Member Services
Phone1-304-455-4029
Toll-Free1-800-272-6003
Mailing Address
Bayer Heritage Federal Credit Union, 17612 Energy Rd, Proctor, WV 26155
Verified Feb 2026
Estate planning resources for Bayer Heritage customers
Tools and documents to help protect your Bayer Heritage accounts.
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