How to name beneficiaries and fund a trust at IMCU
Covers 8 deposit, and 5 retirement accounts — beneficiaries must be updated in-branch
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more→
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Apr 2026
Preparing your IMCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because IMCU 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 IMCU vary across 13 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Free CheckingPREFERRED CheckingMembership SavingsMoney Market AccountHigh Yield Money MarketHealth Savings Account (HSA)Share CertificateHSA Certificate
1
Visit any IMCU branch with government-issued photo ID
2
Request a POD (Payable on Death) beneficiary designation form
3
Complete the beneficiary designation form:
- Provide beneficiary details: full name, date of birth, Social Security number, and relationship
- Designate primary and contingent beneficiaries
- Specify percentage allocation if naming multiple beneficiaries
4
Sign and submit the completed form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations available for deposit accounts (checking, savings, certificates, money market)
- POD designations do not apply to IRA accounts; IRAs use a separate beneficiary designation
- Online beneficiary designation is not available; must use branch, phone, or mail
- When multiple beneficiaries survive the account owner, funds are distributed in equal shares without rights of survivorship unless state law provides otherwise
- Review recommended after marriage, divorce, birth, or death of a beneficiary
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more→
Member Services
Phone1-317-248-8556
Toll-Free1-800-556-9268
Emailmembers@imcu.com
Mailing Address
Indiana Members Credit Union, P.O. Box 47769, Indianapolis, IN 46247
QPhone (Phone Banking)
Fraud Department
Lost/Stolen Credit Card
WebsiteLearn more→
Death Claims (via Member Services)
Phone1-800-556-9268
Mailing Address
Indiana Members Credit Union, C/O Member Services, P.O. Box 47769, Indianapolis, Indiana 46247
Verified Apr 2026
Estate planning articles
Learn how to protect your IMCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
