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
After Hours
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
Toll-Free1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
After Hours
WebsiteNotify online→
Verified Apr 2026
BECU offers 19 accounts, each with its own rules for what happens when a member dies. 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. Select Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, Yamhill) and Idaho counties (Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, Shoshone) are also eligible. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Managing beneficiaries at BECU is straightforward—changes can be made 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 has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
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. 5-step process, 12 required documents, and contact information for survivors.
View details →Reach BECU's BECU Trust Services (Members Trust Company) at 1-206-812-5176 for help with any of these procedures. 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
Eligible account types include Member Share Savings, Savings, Checking, Money Market, and Certificate of Deposit accounts. However, Member Share Savings accounts cannot be converted; a new trust savings account must be opened instead. 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 at 206-812-5176 or becutrust@becu.org, or submit an inquiry 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.
Complete the Designate Beneficiaries form (Form 6851) via DocuSign online at becu.org/support/designate-beneficiaries, at any BECU branch, or by mail. Eligible accounts include checking, savings, CD, and money market (personal accounts only). All account holders must sign. IRA accounts use a separate IRA beneficiary designation process. Beneficiaries receive equal shares; percentages cannot be designated. Maximum 7 beneficiaries per form. Allow up to 10 business days for processing.
Sources
Data sourced from BECU primary sources (22 pages reviewed). How we research.
Phone1-206-439-5700
Toll-Free1-800-233-2328
Mailing Address
BECU, PO Box 97050, Seattle, WA 98124-9750
After Hours
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
Toll-Free1-800-233-2328
Mailing Address
BECU MS 1094-2, Attention: Account Servicing, PO Box 97050, Seattle, WA 98124-9750
Mortgage
Loan Loss Management
After Hours
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your BECU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
