Estate planning at BECU
How to protect 19 BECU accounts — manage beneficiaries online, fund a trust in-branch, and file claims through BECU's BECU Trust Services (Members Trust Company)
Phone1-206-439-5700
Toll-Free1-800-233-2328
Mailing Address
BECU, PO Box 97050, Seattle, WA 98124-9750
WebsiteLearn more →
BECU Trust Services (Members Trust Company)
Phone1-206-812-5176
Emailbecutrust@becu.org
Fax1-206-439-5888
Mailing Address
BECU Trust Services, PO Box 97050, MS 1017-1, Seattle, WA 98124-9750
WebsiteLearn more →
Account Servicing
Phone1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
WebsiteNotify online →
Verified Feb 2026
BECU is a credit union offering 19 accounts that interact with estate planning in different ways. As a membership-based credit union, BECU primarily serves Washington state residents. Membership also available to those who live, work, worship, or attend school in Washington state, with select Oregon and Idaho counties included. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at BECU can be managed online, in branch, and by mail, typically taking 10-15 minutes to complete; up to 10 business days for processing. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
BECU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 19 account types at BECU.
View details →When someone dies
Death claim process
Contact BECU's BECU Trust Services (Members Trust Company) to file a claim. 10-step process, 12 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact BECU's BECU Trust Services (Members Trust Company) at 1-206-812-5176. Email inquiries can be sent to becutrust@becu.org.
BECU 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
You can designate beneficiaries on personal checking, savings, CD, and money market accounts using the Designate Beneficiaries form (Form 6851). Submit it electronically via DocuSign on BECU's website, bring the completed form with photo ID to any BECU branch, or mail it to BECU. All account holders must sign. Processing takes up to 10 business days.
Yes. BECU offers an electronic DocuSign option for the Designate Beneficiaries form. The primary account holder completes and signs the form online, and joint account holders receive an email with a link to sign. You can also schedule a Video Banking appointment for assistance. IRA accounts use a separate beneficiary designation process.
Complete the Trust Account Application and Change Request Packet (Form P-6823) and provide either a full trust document or BECU's Certification of Trust (Form 6001), government-issued ID for all trustees, and the trust TIN/EIN. Submit in branch or by mail. BECU accepts both revocable and irrevocable trust accounts. Review and approval takes approximately two business days after documents are received.
Eligible account types include Savings, Checking, Money Market, and Certificate of Deposit accounts. Member Share Savings and IRA accounts cannot be converted to trust accounts. Checking accounts tied to active lines of credit are also ineligible for conversion. Trust accounts do not qualify for Member Advantage rates. A separate online banking login is required to access trust accounts.
Yes. BECU Trust Services (provided by Members Trust Company) offers trust administration, estate settlement, investment management, foundations and endowments services, and the FlexIRA product that combines IRA tax benefits with trust protections. Contact BECU Trust Services through the trust services contact form at becu.org. Trust service products are not NCUA or FDIC insured and are regulated by the Office of the Comptroller of the Currency.
BECU membership is available to those who live, work, worship, or attend school in Washington state, with select Oregon and Idaho counties also included. Originally founded to serve Boeing employees, membership has expanded significantly. A Member Share Savings account is required to establish membership.
Phone1-206-439-5700
Toll-Free1-800-233-2328
Mailing Address
BECU, PO Box 97050, Seattle, WA 98124-9750
WebsiteLearn more →
BECU Trust Services (Members Trust Company)
Phone1-206-812-5176
Emailbecutrust@becu.org
Fax1-206-439-5888
Mailing Address
BECU Trust Services, PO Box 97050, MS 1017-1, Seattle, WA 98124-9750
WebsiteLearn more →
Account Servicing
Phone1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
WebsiteNotify online →
Verified Feb 2026
Estate planning resources for BECU customers
Tools and documents to help protect your BECU accounts.
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