Estate planning at Everwise
How to protect 18 Everwise accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Brand change
Teachers Credit Union (TCU) rebranded to Everwise Credit Union on June 26, 2023. Same member-owned institution, same South Bend headquarters and NCUA charter (#62029); account numbers, routing number, and membership terms were unchanged by the rename. Effective June 2023.
The procedures below reflect Everwise's accounts. Account servicing may transfer as the change takes effect.
Member Services
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Member Services
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Member Services - Deceased Member / Estate Accounts
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
How your Everwise accounts transfer at death depends on how each one is set up. 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. With 18 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary designations at Everwise can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch; additional processing time by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
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
2-step process, 6 required documents, and contact information for survivors.
View details →Because Everwise serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
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 1-800-552-4745 or visit https://www.everwisecu.com/plan/trusts for details.
Yes. Most Everwise deposit accounts (checking, savings, money market, and share certificates) can be retitled into the name of a revocable living trust. Visit a branch with the full trust agreement or a Certificate of Trust, government-issued photo ID for all trustees, and the trust's tax identification number (the grantor's SSN for revocable trusts or an EIN). Existing accounts may need to be closed and reopened in the trust name. IRAs and HSAs cannot be retitled to a trust under federal tax rules but can name a trust as beneficiary.
Sources
Data sourced from Everwise primary sources (24 pages reviewed). How we research.
Member Services
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Member Services
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Member Services - Deceased Member / Estate Accounts
Everwise Credit Union, PO Box 1395, South Bend, IN 46624-1395
Estate planning articles
Learn how to protect your Everwise accounts and other assets with trusts, beneficiary designations, and estate planning documents.
