Preparing your BECU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because BECU 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 19 product types, BECU 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.

BECU CheckingBECU Member Advantage CheckingBECU Member Share SavingsBECU Member Advantage SavingsBECU Money Market AccountBECU Money Market Account with Member AdvantageBECU Standard Certificate of DepositBECU Bump Certificate of DepositBECU Add-To Certificate of DepositBECU Teen CheckingBECU Student CheckingBECU Early Saver

1Access the Designate Beneficiaries form via DocuSign on BECU's website

2Primary account holder completes and electronically signs the form

3If joint account, joint account holders receive an email with a link to sign

4Form is automatically submitted to BECU upon completion

5Allow up to 10 business days for processing

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Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Eligible accounts: checking, savings, CD, and money market (personal accounts only)
Business and club accounts cannot have beneficiary designations
IRA accounts use a separate IRA beneficiary designation process
Percentages cannot be designated for beneficiaries; each receives equal shares
Maximum 7 beneficiaries per form; use multiple forms for more
Submitting a new form removes all previous designations unless relisted
Video Banking appointments also available for assistance with DocuSign form