How to name beneficiaries and fund a trust at Jeanne D'Arc CU
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch
Preparing your Jeanne D'Arc CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Jeanne D'Arc 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 Jeanne D'Arc CU vary across 17 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Beneficiary form at Jeanne D'Arc CU
Massachusetts Revocable Trust Account designation (in trust for) (for trust accounts), New Hampshire Pay-on-Death designation (for payable-on-death accounts) and IRA beneficiary form (for IRAs).
- Massachusetts accounts: a Revocable Trust Account (an "in trust for" account), where you are the trustee and the person you name is the beneficiary
- Massachusetts accounts: Jeanne D'Arc does not offer a Massachusetts Payable-on-Death account under its consumer account agreement
- New Hampshire accounts: a Pay-on-Death (POD) account, where the named beneficiary can withdraw only after every person who created the account has died and the beneficiary is then living
- IRAs: a separate IRA beneficiary form; the credit union is the IRA trustee/custodian, and the deposit-account designation does not carry over
- Full name, date of birth, Social Security number, and relationship
- Under the account agreement the beneficiaries must be fully identified, so partial information will be rejected
- Name two or more beneficiaries if you want them to share; on a New Hampshire POD account multiple surviving beneficiaries take in equal shares, without right of survivorship
- Ask for the Massachusetts Revocable Trust Account form, the New Hampshire Pay-on-Death form, or an IRA beneficiary form as applicable
- Signatures are collected in branch; there is no online or e-signature beneficiary channel
- Live chat (from the contact page) runs Mon-Fri 8:00 AM - 6:00 PM and Sat 9:00 AM - 2:00 PM
- Account-specific questions can be sent through the Message Center inside Online Banking, but neither channel completes a designation
Required Documents
- Government-issued photo ID (When visiting a branch)
- Beneficiary's full name, date of birth, Social Security number, and relationship (When naming a beneficiary). The account agreement requires the beneficiaries to be fully identified; partial information will be rejected
- Full trust agreement or Certificate of Trust
- Government-issued photo ID for all trustees
- Trust tax identification number (EIN) or SSN for revocable trusts
- Complete new account paperwork in the trust name
- Existing accounts may need to be closed and reopened in the trust name
Required Documents
- Full trust agreement or Certificate of Trust (When opening an account in the trust name). The Certificate of Trust (also called Abstract of Trust) must be on the credit union's approved trust certificate form; a certification prepared elsewhere does not by itself satisfy the requirement
- Government-issued photo ID for all trustees (When opening an account in the trust name)
- Trust Employer Identification Number (EIN) or SSN for revocable trusts (When opening an account in the trust name)
- Identification of the trust beneficiaries (When opening an account in the trust name). The beneficiaries must be fully identified under the consumer account terms
- Massachusetts accounts: a Revocable Trust Account (an "in trust for" account), where you are the trustee and the person you name is the beneficiary
- Massachusetts accounts: Jeanne D'Arc does not offer a Massachusetts Payable-on-Death account under its consumer account agreement
- New Hampshire accounts: a Pay-on-Death (POD) account, where the named beneficiary can withdraw only after every person who created the account has died and the beneficiary is then living
- IRAs: a separate IRA beneficiary form; the credit union is the IRA trustee/custodian, and the deposit-account designation does not carry over
- Full name, date of birth, Social Security number, and relationship
- Under the account agreement the beneficiaries must be fully identified, so partial information will be rejected
- Name two or more beneficiaries if you want them to share; on a New Hampshire POD account multiple surviving beneficiaries take in equal shares, without right of survivorship
- Ask for the Massachusetts Revocable Trust Account form, the New Hampshire Pay-on-Death form, or an IRA beneficiary form as applicable
- Signatures are collected in branch; there is no online or e-signature beneficiary channel
- Live chat (from the contact page) runs Mon-Fri 8:00 AM - 6:00 PM and Sat 9:00 AM - 2:00 PM
- Account-specific questions can be sent through the Message Center inside Online Banking, but neither channel completes a designation
Required Documents
- Government-issued photo ID (When visiting a branch)
- Beneficiary's full name, date of birth, Social Security number, and relationship (When naming a beneficiary). The account agreement requires the beneficiaries to be fully identified; partial information will be rejected
What Jeanne D'Arc CU says about beneficiaries and trusts
Each section is Jeanne D'Arc CU's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- IRA
IRA beneficiary designations are separate from the trust account and Pay-on-Death designations on deposit accounts. The credit union acts as IRA trustee or custodian.1
How many beneficiaries, and how shares are split
- All accounts
Two or more beneficiaries can be named to share the account.1
Beneficiary forms Jeanne D'Arc CU issues3
- Massachusetts Revocable Trust Account designation (in trust for)
For trust accounts. Sent by the institution on request.1
- New Hampshire Pay-on-Death designation
For payable-on-death accounts. Sent by the institution on request.1
- IRA beneficiary form
For IRAs. Sent by the institution on request.1
What Jeanne D'Arc CU's agreement says about beneficiaries1
- What the owner keeps while living
The creator of the account keeps the right to change beneficiaries, change the account type, and withdraw the funds at any time.1
State requirements Jeanne D'Arc CU statesMassachusetts, New Hampshire
- Massachusetts
Massachusetts members use a Revocable Trust Account (in trust for) to name a death beneficiary on a deposit account.1
Jeanne D'Arc does not offer a Massachusetts Payable-on-Death account under its consumer account agreement.3
- New Hampshire
Pay-on-Death (POD) accounts are offered to New Hampshire members under the account agreement. The named beneficiary can withdraw only after every person who created the account has died and the beneficiary is then living.3
On a Pay-on-Death account, multiple surviving beneficiaries take in equal shares, without right of survivorship.1
Which accounts a trust can hold2
- Trust account
Grantor/Living Trust accounts are accepted for deposit products including checking, savings, money market, and certificates.3
- IRA
IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.1
Trust account forms Jeanne D'Arc CU issues1
- Trust certificate form
Sent by the institution on request.3
What Jeanne D'Arc CU says about trust accounts4
- Who signs for the trust
The account is owned by the grantor/donor who establishes the trust, and the trustees named in the trust agreement open and transact on the account.3
- Whether a new account is opened
Existing accounts may need to be closed and reopened in the trust name.1
- Membership
The grantor/donor of a revocable trust must qualify for membership ($5 minimum share deposit). For an irrevocable trust, either the grantor/donor or any of the beneficiaries must qualify.1
- Review of the trust document
By opening a fiduciary account the credit union is not acting as trustee and does not undertake to monitor or enforce the terms of the trust.1
Not in Jeanne D'Arc CU's published guidance2
- A beneficiary form to download
- An online way to name a beneficiary
Sources3
- 1.Jeanne D'Arc Credit Union beneficiary and trust account guidance
- 2.Locations and ATMs
- 3.Terms and Conditions of Your Consumer Account
Sources
Data sourced from Jeanne D'Arc CU primary sources (19 pages reviewed). How we research.
Download these Jeanne D'Arc CU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Jeanne D'Arc CU primary sources. Bring it to the branch or keep it beside the phone.
Jeanne D'Arc CU estate support
Member Contact Center
Phone
Toll-free
Text messaging (no account information)
Credit card member service (after-hours)
Debit card member service
Hours
Mailing address
Website
Estate requests go through general customer service.
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