Estate planning at CommunityAmerica

Visit any CommunityAmerica branch or call 800.892.7957 to request a POD beneficiary designation on your checking, savings, money market, or certificate account. Provide each beneficiary's full name, date of birth, Social Security number, and relationship. Specify the percentage allocation for each beneficiary. All account owners must sign the designation form.

Yes. A trust can be named as a POD beneficiary on CommunityAmerica deposit accounts. Provide the trust name, trust date, and trust EIN when completing the beneficiary designation form. Alternatively, you can retitle accounts directly into trust ownership by bringing the trust document or Certificate of Trust to a branch.

Visit a CommunityAmerica branch with your complete trust document or Certificate of Trust, government-issued photo ID for all trustees, and the trust EIN. Complete a trust account application and CommunityAmerica will retitle the accounts to trust ownership. For trust-related investment accounts, contact CommunityAmerica Wealth Management at 800.892.7957.

CommunityAmerica offers trust services through Copper Financial Network, LLC, a wholly-owned subsidiary operating as a Trust Representative Office of National Advisors Trust Company. Supported trust types include revocable trusts, irrevocable trusts, charitable trusts, irrevocable life insurance trusts, special needs trusts, and institutional trusts. CommunityAmerica Wealth Management advisors provide comprehensive financial planning including retirement, investment, and estate planning consultations. Contact a Wealth Advisor at 800.892.7957.

IRA beneficiary designations are completed on a separate form at the time of account opening. You can update your IRA beneficiaries at any time by visiting a branch or calling 800.892.7957 to request a new beneficiary designation form. A trust can be named as the beneficiary of an IRA. IRAs cannot be retitled into a trust, but naming the trust as beneficiary achieves a similar estate planning outcome.

Guided Investing is an automated investment advisory service with a $200 minimum and 0.25% annual management fee that creates a diversified portfolio based on your risk tolerance and goals. Wealth Management provides full-service financial planning through CommunityAmerica Wealth Management advisors, including stocks, bonds, mutual funds, ETFs, annuities, and insurance products. Both are offered through Copper Financial Network, LLC (member FINRA/SIPC). Call 800.892.7957 to speak with a Wealth Advisor.

CommunityAmerica completed its merger with UNIFY Financial Credit Union on November 1, 2025. CommunityAmerica is the surviving entity with approximately $9 billion in assets and over 600,000 members. The merger added branch locations in Arkansas, California, Nevada, Tennessee, and Texas. Day-to-day banking for existing members has not changed. Systems integration and operational alignment are expected to be completed by mid-2026.

The Member Service Center and Live Chat are available Monday through Friday 7:00 AM to 7:00 PM CT and Saturday 9:00 AM to 2:00 PM CT. Call 800.892.7957 for phone support. Secure email is available through the Secure Mail feature in Online Banking under the Account Requests tab. The corporate office at 9777 Ridge Drive, Lenexa, KS 66219 is open Monday through Friday 9:00 AM to 5:00 PM.