Estate planning at CommunityAmerica
How to protect 18 CommunityAmerica accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteLearn more→
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteLearn more→
Estate Representative / Account Settlement
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteNotify online→
Verified Apr 2026
CommunityAmerica is a credit union offering 18 accounts that interact with estate planning in different ways. As a membership-based credit union, CommunityAmerica headquartered in Lenexa, KS. Primary service area is the Kansas City metro (Jackson, Clay, Platte, Cass counties in MO; Johnson, Wyandotte, Douglas, Jefferson, Leavenworth, Miami, Shawnee counties in KS) and St. Louis. Following the November 2025 merger with UNIFY Financial, branches now also operate in Arkansas, California, Nevada, Tennessee, and Texas. Membership available through geographic eligibility, family membership, employer groups, or Friends of Hobbs nonprofit. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Managing beneficiaries at CommunityAmerica is straightforward—changes can be made in branch and by phone, typically taking 15-30 minutes at a branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
CommunityAmerica 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 18 account types at CommunityAmerica.
View details →When someone dies
Death claim process
8-step process, 6 required documents, and contact information for survivors.
View details →CommunityAmerica 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
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.
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.
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.
To earn 1% cash back (up to $5 per month) on debit card purchases with Cashback Free Checking or Chiefs Checking, meet one of two monthly criteria: (1) enroll in eStatements, set up a direct deposit of at least $250, and complete 15 point-of-sale debit card transactions; or (2) enroll in eStatements and complete 25 point-of-sale debit card transactions. Qualifications must be met by the day before the month's final day. Cash back is deposited by the 5th calendar day after qualifications are satisfied. Refunds, credits, fees, pre-authorizations, and ATM withdrawals are excluded.
Yes. A trust can be named as the beneficiary on a Traditional IRA, Roth IRA, or Certificate IRA at CommunityAmerica. However, IRAs cannot be retitled directly into a trust. The beneficiary designation is completed on a separate IRA beneficiary form at the branch or by calling 800.892.7957. Naming a trust as IRA beneficiary may have tax implications; consult a tax professional before making this designation.
Sources
Data sourced from CommunityAmerica primary sources (16 pages reviewed). How we research.
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteLearn more→
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteLearn more→
Estate Representative / Account Settlement
Phone(800) 892-7957
Mailing Address
CommunityAmerica Credit Union, 9777 Ridge Drive, Lenexa, KS 66219
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your CommunityAmerica accounts and other assets with trusts, beneficiary designations, and estate planning documents.
