Estate planning and settlement at Bellco
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-855-603-1051
Bellco is a credit union offering 17 accounts that interact with estate planning in different ways. As a membership-based credit union, Bellco serves members throughout Colorado with more than 30 branch locations (https://www.bellco.org/branches-and-atms/, verified 2026-09-10) running from the Front Range — Pueblo North, Fountain, two Colorado Springs branches, Castle Rock, the Denver metro, Longmont, Erie, Greeley, Timnath, with Fort Collins marked opening soon — to the Western Slope at Grand Junction and Clifton, plus a Virtual Branch. Corporate headquarters at 7600 E Orchard Rd, Suite 400N, Greenwood Village, CO 80111. Membership is open to anyone who lives or works in Adams, Alamosa, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Fremont, Garfield, Huerfano, Jefferson, Larimer, Las Animas, Mesa, Moffat, Pueblo, Rio Blanco, or Weld County, to family members of existing members, and to employees of Select Employee Group companies. Out-of-state parties — an out-of-state trustee, heir, or surviving joint owner who must qualify for membership to keep an inherited certificate — can become eligible by joining the Bellco Foundation. Bellco states that "once a member, always a member": an existing member who moves out of Colorado keeps their accounts. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Bellco lets account holders update beneficiary designations in branch and by phone, typically taking 15 to 30 minutes in a branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Bellco has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at Bellco.
Preparing your estate →Death claim process
Report the death to Bellco's Special Account Support at 1-855-603-1051. The page lists the steps and the documents to send.
When someone dies →Reach Bellco's Members Trust Company at 1-720-482-2501 for help with any of these procedures.
Bellco is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes, for four specific deposit products. Bellco names Platinum Checking, Free Checking, Premier Money Market, and CDs as the account types it will title to a trust, and the application must be made in person at a branch. The grantor(s) and trustee(s) must all qualify for Bellco membership, and all trustees must sign the signature cards. Bring the full Trust Agreement, a signed and notarized Bellco Certification of Trust, Grantor and Trustee information, and government-issued photo ID for every trustee. IRAs, HSAs, and Coverdell ESAs cannot be retitled to a trust; use beneficiary designations instead. Note that Bellco's account agreement says that by opening a fiduciary account it is "not acting in the capacity of a trustee in connection with the trust" and takes on no duty "to monitor or enforce the terms of the trust or letters" — the trustee's compliance is the trustee's problem, not the credit union's. An out-of-state trustee who cannot otherwise qualify for membership can become eligible by joining the Bellco Foundation.
Sources
Data sourced from Bellco primary sources (24 pages reviewed). How we research.
Bellco customer support
Member Services
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Toll-free
Local (Denver metro)
Telephone Banking
Telephone Banking (local)
Lost/Stolen Credit Cards
Hours
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