How to name beneficiaries and fund a trust at Citadel
Covers 6 deposit, 2 retirement, and 1 investment accounts — beneficiaries must be updated in-branch
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Death Claims
Phone1-800-666-0191
Toll-Free1-800-666-0191
Mailing Address
Citadel Credit Union, 520 Eagleview Blvd., Exton, PA 19341
WebsiteNotify online→
Verified Apr 2026
Preparing your Citadel accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Citadel 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.
The transfer rules at Citadel vary across 9 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Ultimate Growth CheckingHigh Yield SavingsStar SavingsHoliday Club & Auxiliary SavingsCitadel Money Market AccountCitadel Certificate
1
Visit any Citadel branch location
2
Request to add or update a Payable on Death (POD) beneficiary on your deposit accounts
3
Provide beneficiary details:
- Full name
- Date of birth
- Relationship to account owner
4
All account owners must authorize the beneficiary designation
5
Citadel requires all Trust Accounts to name a beneficiary
6
Receive confirmation of the updated POD designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD beneficiary designations are available for checking, savings, money market, and certificate accounts
- All Trust Accounts are required to name a beneficiary per Citadel policy
- The Settlor of a Revocable Trust may change the beneficiary at any time
- The individual establishing a Revocable Trust (the Settlor) must be a member of the credit union
- IRA beneficiary designations are administered by Ascensus; Citadel initiates the paperwork
- If no IRA beneficiaries are named, funds go to the decedent's estate
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Phone1-800-666-0191
Mailing Address
520 Eagleview Blvd., Exton, PA 19341
Collections Department
WebsiteLearn more→
Death Claims
Phone1-800-666-0191
Toll-Free1-800-666-0191
Mailing Address
Citadel Credit Union, 520 Eagleview Blvd., Exton, PA 19341
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Citadel accounts and other assets with trusts, beneficiary designations, and estate planning documents.
