Estate planning at Everwise
How to protect 18 Everwise accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-800-552-4745
WebsiteLearn more →
Phone1-800-552-4745
WebsiteLearn more →
Death Claims
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Verified Mar 2026
Everwise is a credit union offering 18 accounts that interact with estate planning in different ways. As a membership-based credit union, Everwise headquartered in South Bend, Indiana. 50 branches across northern and central Indiana and southwest Michigan. Membership open to individuals who live or work in the service area. Indiana's largest credit union by assets. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Everwise handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
Everwise provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at Everwise.
View details →When someone dies
Death claim process
8-step process, 6 required documents, and contact information for survivors.
View details →Everwise operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Visit any Everwise branch, call 800-552-4745 (Monday-Friday 7 AM - 7 PM ET, Saturday 8 AM - 3 PM ET), or request a beneficiary form by mail. Online beneficiary designation is not currently available. You will need to provide beneficiary details including full name, date of birth, and relationship.
Yes. Visit any Everwise branch with your trust document (or Certificate of Trust), government-issued photo ID for all trustees, and the trust EIN or SSN. You will need to complete new account paperwork in the trust name. Existing accounts may need to be closed and reopened under the trust title. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Yes. Everwise offers trust administration through MEMBERS Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency. Trust services are not NCUA insured, are not obligations of or guaranteed by the credit union, and involve investment risks including the possible loss of principal. Contact Everwise at 800-552-4745 or visit everwisecu.com/plan/trusts for details.
IRAs cannot be retitled to a trust. However, you may name a trust as the beneficiary of your IRA at Everwise. Consult a tax advisor before doing so, as naming a trust as IRA beneficiary can have significant tax implications for distribution timelines and required minimum distributions. Contact Everwise at 800-552-4745 for specific procedures.
Boost High-Yield Savings earns 3.00% APY with no earning caps, monthly fees, or balance requirements. To earn the boosted rate, you need an Everwise checking account with monthly direct deposits of $4,000 or more. Dividends are paid monthly. The account can be titled to a trust or have a POD beneficiary designation.
The Premium Money Market offers tiered rates for larger balances with no specific minimum balance to earn dividends. The Ultra Money Market requires a $50,000 minimum opening deposit and $100,000 in combined Everwise funds to earn dividends. The Ultra Money Market rate is tied to the Federal Funds Rate less 75 basis points. Both must be opened by phone or in-branch.
Yes. Everwise Credit Union rebranded from Teachers Credit Union in 2023. The credit union was founded in 1931 and is Indiana's largest credit union with over $5 billion in assets and nearly 300,000 members. All existing accounts, routing numbers, and membership terms remained unchanged after the rebrand.
Phone1-800-552-4745
WebsiteLearn more →
Phone1-800-552-4745
WebsiteLearn more →
Death Claims
Phone1-800-552-4745
Toll-Free1-800-552-4745
Mailing Address
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Verified Mar 2026
Estate planning resources for Everwise customers
Tools and documents to help protect your Everwise accounts.
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