How to name beneficiaries and fund a trust at KEMBA
Covers 11 deposit, 3 retirement, 1 investment, and 1 insurance accounts — beneficiaries must be updated in-branch
Member Services
PO Box 307370, Gahanna, OH 43230
Member Services
PO Box 307370, Gahanna, OH 43230
Member Services (Death Claims)
KEMBA Financial Credit Union, PO Box 307370, Gahanna, OH 43230
Estate planning at KEMBA means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because KEMBA is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Without one of these in place, accounts may require probate before your family can access the funds.
KEMBA offers 16 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
- Bring government-issued photo ID
- Request to add or update POD (Payable on Death) beneficiary designation
- Beneficiary legal name, address, date of birth, and Social Security number
- For trusts as beneficiary: provide trust name, date established, and EIN
- Specify percentage allocation if naming multiple beneficiaries
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for all deposit accounts (checking, savings, money market, certificates)
- POD designation does not apply to IRA accounts per KEMBA membership agreement; IRA beneficiary form required
- When multiple POD beneficiaries survive, they own funds jointly in equal shares without rights of survivorship unless state law provides otherwise
- Must provide beneficiary legal name, address, date of birth, and Social Security number
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- KEMBA is not obligated to notify beneficiaries of the existence of any account
- Investment account beneficiaries managed through KEMBA Wealth Management (LPL Financial)
Sources
Data sourced from KEMBA primary sources (24 pages reviewed). How we research.
Download these KEMBA instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against KEMBA primary sources. Bring it to the branch or keep it beside the phone.
Member Services
PO Box 307370, Gahanna, OH 43230
Member Services
PO Box 307370, Gahanna, OH 43230
Member Services (Death Claims)
KEMBA Financial Credit Union, PO Box 307370, Gahanna, OH 43230
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