How to name beneficiaries and fund a trust at Glacier Hills CU
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch or by phone
Preparing your Glacier Hills CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Glacier Hills CU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Accounts with Payable on Death designations or trust ownership bypass probate entirely.
The transfer rules at Glacier Hills CU vary across 18 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
- Each beneficiary's full legal name and identifying information
- Written share instructions if the split is not equal
- Separate beneficiary paperwork for each IRA and for the HSA
Required Documents
- Each beneficiary's full legal name and identifying information
- Written share instructions (if the split among two or more beneficiaries is not equal)
- Separate beneficiary designation paperwork (for each IRA and for the HSA)
- Valid government-issued photo ID (at a branch)
- Valid government-issued photo ID for every trustee
- Complete trust agreement or Certificate of Trust
- Trust tax identification number if the trust has one
Required Documents
- Complete trust agreement or Certificate of Trust. Glacier Hills takes either the full trust agreement or a Certificate of Trust
- Government-issued photo ID (for every trustee who will transact)
- Trust tax identification number (if the trust has one)
- Account retitling authorization paperwork. Produced by the credit union in branch
- Each beneficiary's full legal name and identifying information
- Written share instructions if the split is not equal
- Separate beneficiary paperwork for each IRA and for the HSA
Required Documents
- Each beneficiary's full legal name and identifying information
- Written share instructions (if the split among two or more beneficiaries is not equal)
- Separate beneficiary designation paperwork (for each IRA and for the HSA)
- Valid government-issued photo ID (at a branch)
What Glacier Hills CU says about beneficiaries and trusts
Each section is Glacier Hills CU's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary3
- Payable-on-death account
A POD beneficiary is added or updated on each deposit account individually.1
- IRA
An IRA beneficiary designation is a separate document from a deposit-account POD designation, which does not carry over to the IRA.1
- Health savings account
An HSA beneficiary designation is a separate document from a deposit-account POD designation, which does not carry over to the HSA.1
Who can be named1
How many beneficiaries, and how shares are split
- Payable-on-death account
Unequal shares among two or more POD beneficiaries must be filed in writing with the credit union.1
What Glacier Hills CU's agreement says about beneficiaries1
- Online access
Beneficiary maintenance is not available in Virtual Branch online banking or the mobile app, so it is done in a branch or by phone. Virtual Branch offers transfers, bill pay, new account opening, eAlerts, eNotices and eStatements.2
Which accounts a trust can hold3
What Glacier Hills CU says about trust accounts3
- Online access
Virtual Branch online banking cannot retitle an account.2
- Membership
Membership requires living or working in one of the credit union's 13 Wisconsin counties, or being immediate family of someone who does. The $5 share account carries membership.1
Membership runs to a person rather than to the trust.1
- Successor trustees
Glacier Hills does not offer corporate trustee or estate settlement services, so the successor trustee is always an individual the owner names.1
Accounts handled elsewhere1
- Integrity Wealth Management (Scott Miller)
Estate and legacy planning beyond retitling, by referral from Glacier Hills1
Phone: 1-414-861-7977
Not in Glacier Hills CU's published guidance2
- A beneficiary form to download
- A downloadable trust certification form
Sources2
Sources
(1)·
Data sourced from Glacier Hills CU primary sources (15 pages reviewed). How we research.
Download these Glacier Hills CU instructions
A printable PDF with the steps, required documents, and contact details, verified against Glacier Hills CU primary sources. Bring it to the branch or keep it beside the phone.
Glacier Hills CU estate support
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Estate requests go through general customer service.
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