How to name beneficiaries and fund a trust at Everwise
Beneficiaries are managed in branch, by phone or by mail. Trust paperwork is taken in branch or by mail
Everwise operates under a new nameRebranded, effective June 2023
Teachers Credit Union (TCU) rebranded to Everwise Credit Union on June 26, 2023. Same member-owned institution, same South Bend headquarters and same NCUA charter (#60060); account numbers, the 271291826 routing number, and membership terms were unchanged by the rename. No merger or acquisition has followed: the NCUA Credit Union Locator returned status "Active" for charter 60060 on 2026-09-11, and Everwise publishes no merger notice. An executor holding TCU-era paperwork claims through Everwise Member Services at (800) 552-4745 — there is no successor institution to trace.
Estate planning at Everwise means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because Everwise is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Without one of these in place, accounts may require probate before your family can access the funds.
Across 20 product types, Everwise accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Beneficiary form at Everwise
POD (Payable on Death) beneficiary designation form (for payable-on-death accounts).
- Full name, date of birth, Social Security number, and relationship
- Designate primary and contingent beneficiaries
- Specify percentage allocation if naming multiple beneficiaries
- Include primary and contingent beneficiary information (full legal name, DOB, SSN, relationship, percentage allocation)
- For trust beneficiaries, provide trust name, trust date, and EIN/TIN
- Sign and date the form
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to you
- Percentage allocation (if naming more than one beneficiary)
- Trust name, trust date and EIN/TIN (for a trust beneficiary)
- Government-issued photo ID (at a branch)
- Full trust agreement or Certificate of Trust
- Government-issued photo ID for all trustees
- Trust tax identification number (EIN) or SSN for revocable trusts
- Copies of trust document or Certificate of Trust
- Copies of government-issued photo ID for all trustees
- Trust EIN or SSN
Required Documents
- Full trust agreement or Certificate of Trust. Either is taken. A Certificate of Trust is also called an Abstract of Trust or Certification of Trust; copies are sent by mail
- Government-issued photo ID (for each trustee). Copies are sent when applying by mail
- Trust Employer Identification Number (EIN), or SSN for a revocable trust
- Full name, date of birth, Social Security number, and relationship
- Designate primary and contingent beneficiaries
- Specify percentage allocation if naming multiple beneficiaries
- Include primary and contingent beneficiary information (full legal name, DOB, SSN, relationship, percentage allocation)
- For trust beneficiaries, provide trust name, trust date, and EIN/TIN
- Sign and date the form
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to you
- Percentage allocation (if naming more than one beneficiary)
- Trust name, trust date and EIN/TIN (for a trust beneficiary)
- Government-issued photo ID (at a branch)
- Full trust agreement or Certificate of Trust
- Government-issued photo ID for all trustees
- Trust tax identification number (EIN) or SSN for revocable trusts
- Copies of trust document or Certificate of Trust
- Copies of government-issued photo ID for all trustees
- Trust EIN or SSN
Required Documents
- Full trust agreement or Certificate of Trust. Either is taken. A Certificate of Trust is also called an Abstract of Trust or Certification of Trust; copies are sent by mail
- Government-issued photo ID (for each trustee). Copies are sent when applying by mail
- Trust Employer Identification Number (EIN), or SSN for a revocable trust
- Full name, date of birth, Social Security number, and relationship
- Designate primary and contingent beneficiaries
- Specify percentage allocation if naming multiple beneficiaries
- Include primary and contingent beneficiary information (full legal name, DOB, SSN, relationship, percentage allocation)
- For trust beneficiaries, provide trust name, trust date, and EIN/TIN
- Sign and date the form
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to you
- Percentage allocation (if naming more than one beneficiary)
- Trust name, trust date and EIN/TIN (for a trust beneficiary)
- Government-issued photo ID (at a branch)
- Full name, date of birth, Social Security number, and relationship
- Designate primary and contingent beneficiaries
- Specify percentage allocation if naming multiple beneficiaries
- Include primary and contingent beneficiary information (full legal name, DOB, SSN, relationship, percentage allocation)
- For trust beneficiaries, provide trust name, trust date, and EIN/TIN
- Sign and date the form
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to you
- Percentage allocation (if naming more than one beneficiary)
- Trust name, trust date and EIN/TIN (for a trust beneficiary)
- Government-issued photo ID (at a branch)
What Everwise says about beneficiaries and trusts
Each section is Everwise's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary3
- Payable-on-death account
POD designations are available on deposit accounts: checking, savings, certificates and money market.1
- IRA
An IRA passes by beneficiary designation only. The designation is taken in a branch, not online.1
- Health savings account
An HSA passes by beneficiary designation only. The designation is taken in a branch, not online.1
Who can be named1
- A trust
A trust can be named as a beneficiary; the form takes the trust's name, date and EIN/TIN.1
How many beneficiaries, and how shares are split
- All accounts
Primary and contingent beneficiaries can be named, with a percentage allocation when there is more than one.1
Beneficiary forms Everwise issues1
- POD (Payable on Death) beneficiary designation form
For payable-on-death accounts. Sent by the institution on request.1
Return to
Mailing address: Everwise Credit Union, P.O. Box 1395, South Bend, IN 46624-1395
What Everwise's agreement says about beneficiaries1
- Membership
Membership is limited to Indiana and Michigan residents.1
Which accounts a trust can hold2
Trust account forms Everwise issues1
- Trust account application
Sent by the institution on request.1
Return to
Mailing address: Everwise Credit Union, P.O. Box 1395, South Bend, IN 46624-1395
What Everwise says about trust accounts1
- Whether a new account is opened
Existing accounts may need to be closed and reopened in the trust name.1
Accounts handled elsewhere2
- Everwise Investment Services with LPL Financial
Beneficiaries and trust retitling for investment accounts3
- MEMBERS Trust Company
Existing MEMBERS Trust Company accounts, routed through Everwise Member Services4
Phone: 1-800-552-4745
Not in Everwise's published guidance5
- An online way to name a beneficiary
- A beneficiary form to download
- A trust account application to download
- An online way to hold an account in a trust
- Trust administration service pages
Sources4
Sources
(4)·
Data sourced from Everwise primary sources (15 pages reviewed). How we research.
Download these Everwise instructions
A printable PDF with the steps, required documents, and contact details, verified against Everwise primary sources. Bring it to the branch or keep it beside the phone.
Everwise estate support
Loan Payment Protection Claims (TruStage, Everwise contract 01300097)
Phone
Website
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