How to name beneficiaries and fund a trust at Jeanne D'Arc CU
Covers 12 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch
Member Contact Center
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
P.O. Box 1238, Lowell, MA 01853
Text messaging (no account information)
Credit card member service (after-hours)
Debit card member service (24/7)
WebsiteLearn more→
Member Contact Center
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
P.O. Box 1238, Lowell, MA 01853
Text messaging (no account information)
Credit card member service (after-hours)
Debit card member service (24/7)
WebsiteLearn more→
Member Contact Center — Jeanne D'Arc has no separate estate, trust, or deceased-member department
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
Jeanne D'Arc Credit Union, P.O. Box 1238, Lowell, MA 01853
Deceased member credit card
Deceased member debit card (24/7)
WebsiteNotify online→
Verified Jul 2026
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 16 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Fee Free CheckingPremier CheckingSenior Premier CheckingStartStrong CheckingStatement SavingsSenior Statement SavingsWinStrong SavingsStartStrong SavingsStartStrong Goal AccountM3 Money Club SavingsMoney Market AccountCertificate of Deposit (CD)
1
Visit any of the nine Jeanne D'Arc branches with government-issued photo ID, or book a time first at https://www.jdcu.org/locations-atms/ (branch hours: Mon-Wed 8:30 AM - 4 PM, Thu-Fri 8:30 AM - 6 PM, Sat 8:30 AM - 1 PM)
2
Ask for the designation that matches the state your account is titled under:
- Massachusetts accounts: a Revocable Trust Account (an "in trust for" account) — you are the trustee and the person you name is the beneficiary. 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
3
Provide beneficiary details:
- 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
4
Sign and submit the completed form. The creator of the account keeps the right to change beneficiaries, change the account type, and withdraw the funds at any time
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Massachusetts members use a Revocable Trust Account (in-trust-for) to name a death beneficiary on a deposit account; Pay-on-Death (POD) accounts are offered to New Hampshire members under the account agreement
- Online beneficiary designation is not available; there is no downloadable form and no beneficiary screen in online or mobile banking. Requests are made by phone (978-452-5001) or in branch and signed in person
- The account agreement requires that beneficiaries be fully identified
- IRA beneficiary designations are separate from the trust-account/POD designations on deposit accounts; the credit union acts as IRA trustee or custodian
- Review recommended after marriage, divorce, birth of a child, or other major life events
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.
Member Contact Center
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
P.O. Box 1238, Lowell, MA 01853
Text messaging (no account information)
Credit card member service (after-hours)
Debit card member service (24/7)
WebsiteLearn more→
Member Contact Center
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
P.O. Box 1238, Lowell, MA 01853
Text messaging (no account information)
Credit card member service (after-hours)
Debit card member service (24/7)
WebsiteLearn more→
Member Contact Center — Jeanne D'Arc has no separate estate, trust, or deceased-member department
Phone978-452-5001
Toll-Free1-877-604-5328
Mailing Address
Jeanne D'Arc Credit Union, P.O. Box 1238, Lowell, MA 01853
Deceased member credit card
Deceased member debit card (24/7)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Jeanne D'Arc CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
