Estate planning at KEMBA
How to protect 15 KEMBA accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone1-614-235-2395
Toll-Free1-800-282-6420
Emailservice@kemba.org
Fax1-614-324-8360
Mailing Address
PO Box 307370, Gahanna, OH 43230
WebsiteLearn more →
Member Services
Phone1-614-235-2395
Toll-Free1-800-282-6420
Emailservice@kemba.org
Fax1-614-324-8360
Mailing Address
PO Box 307370, Gahanna, OH 43230
WebsiteLearn more →
Member Services (Death Claims)
Phone1-614-235-2395
Toll-Free1-800-282-6420
Fax1-614-324-8360
Mailing Address
KEMBA Financial Credit Union, PO Box 307370, Gahanna, OH 43230
Verified Mar 2026
KEMBA is a credit union offering 15 accounts that interact with estate planning in different ways. As a membership-based credit union, KEMBA headquartered at 555 Officenter Place, Gahanna, OH 43230. 12 branches across Central Ohio including Gahanna, Pickerington, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville, and Whitehall. Over 133,000 members. Access to 50,000+ surcharge-free ATMs and 5,500 shared branches nationwide. Membership open to anyone who lives, works, worships, or attends school in Delaware, Fairfield, Franklin, Hocking, Knox, Licking, Logan, Madison, Marion, Morrow, Perry, Pickaway, Ross, or Union counties in Ohio, plus employees of 175+ partner companies and family members of existing members. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
KEMBA handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
KEMBA provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at KEMBA.
View details →When someone dies
Death claim process
9-step process, 6 required documents, and contact information for survivors.
View details →KEMBA operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
POD designations do not apply to IRA accounts at KEMBA. You must complete a separate IRA beneficiary designation form, available at any KEMBA branch or by calling Member Services at 614-235-2395 (option 4). Submit the completed form at a branch or by mail to KEMBA Financial Credit Union, PO Box 307370, Gahanna, OH 43230.
Visit your nearest KEMBA branch with your trust document or Certificate of Trust, government-issued ID, and the trust's EIN or SSN. A branch representative will retitle your accounts into the trust name. For investment accounts, contact KEMBA Wealth Management separately.
KEMBA partners with Trust & Will, the leading online estate planning platform, to offer members an exclusive 20% discount. Visit kemba.org/resources/tools/trust-and-will for details. KEMBA Wealth Management advisors can also assist with legacy planning through LPL Financial.
The KEMBA Advantage Program provides higher dividend rates on savings, money market, and certificate accounts. Advantage status is earned by meeting certain relationship criteria with KEMBA, such as maintaining qualifying account balances or using qualifying services.
Member Services
Phone1-614-235-2395
Toll-Free1-800-282-6420
Emailservice@kemba.org
Fax1-614-324-8360
Mailing Address
PO Box 307370, Gahanna, OH 43230
WebsiteLearn more →
Member Services
Phone1-614-235-2395
Toll-Free1-800-282-6420
Emailservice@kemba.org
Fax1-614-324-8360
Mailing Address
PO Box 307370, Gahanna, OH 43230
WebsiteLearn more →
Member Services (Death Claims)
Phone1-614-235-2395
Toll-Free1-800-282-6420
Fax1-614-324-8360
Mailing Address
KEMBA Financial Credit Union, PO Box 307370, Gahanna, OH 43230
Verified Mar 2026
Estate planning resources for KEMBA customers
Tools and documents to help protect your KEMBA accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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