Estate planning at Bellco
How to protect 17 Bellco accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Bellco's Members Trust Company (Bellco trust partner)
Member Services
Bellco Credit Union, P.O. Box 6611, Greenwood Village, CO 80155-6611
Bellco Operations Department - Special Account Support
Bellco Credit Union, Attn: Special Account Support, PO Box 5231, Greenwood Village, CO 80155
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 over 30 branch locations from the Front Range (Pueblo to Fort Collins/Timnath) to the Western Slope, including Colorado Springs (opened late 2025) and expanded Aurora and Parker locations (opened 2024). Corporate headquarters at 7600 E Orchard Rd, Greenwood Village, CO 80111. 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 15-30 minutes in 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at Bellco.
View details →When someone dies
Death claim process
Contact Bellco's Members Trust Company (Bellco trust partner) to file a claim. 8-step process, 6 required documents, and contact information for survivors.
View details →Reach Bellco's Members Trust Company (Bellco trust partner) 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
Bellco does not draft estate documents itself but maintains three formal estate-planning partnerships available to members: Trust & Will (https://www.bellco.org/wealth-management/trust-accounts/trust-and-will/) for online wills, trusts, and guardianship documents at a member discount; Members Trust Company (https://www.bellco.org/wealth-management/trust-accounts/members-trust-company/) for ongoing trust administration and trustee services; and The Hughes Law Firm (https://www.bellco.org/wealth-management/trust-accounts/the-hughes-law-firm/) for attorney-prepared wills, living trusts, and probate. Investment and estate planning advisory services are available through Osaic Institutions at Bellco branches.
Yes, for deposit accounts. Bellco can open or retitle Platinum Checking, Free Checking, Premier Money Market, and CD accounts under trust ownership at any branch. The grantor(s) and trustee(s) must qualify for Bellco membership. All trustees must sign the signature cards. Bring the full trust agreement, a signed and notarized Bellco Certification of Trust, government-issued photo ID for all trustees, and a trust EIN if applicable. IRAs and HSAs cannot be retitled to a trust under IRS rules; use beneficiary designations instead.
Sources
Data sourced from Bellco primary sources (17 pages reviewed). How we research.
Member Services
Bellco Credit Union, P.O. Box 6611, Greenwood Village, CO 80155-6611
Bellco Operations Department - Special Account Support
Bellco Credit Union, Attn: Special Account Support, PO Box 5231, Greenwood Village, CO 80155
Estate planning articles
Learn how to protect your Bellco accounts and other assets with trusts, beneficiary designations, and estate planning documents.
