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
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 Apr 2026
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.
Hassle-Free CheckingHigh-Performance CheckingFresh Start CheckingKEMBA SavingsMoney MarketSecondary Savings AccountHealth Savings Account (HSA)Christmas ClubOhio Homebuyer Plus Savings AccountKEMBA CertificateRate Bump Certificate
1
Visit any KEMBA branch location with required identification:
- Bring government-issued photo ID
- Request to add or update POD (Payable on Death) beneficiary designation
2
Provide beneficiary information:
- 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
3
Confirm designation with branch representative
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 (CUSO Financial Services / LPL Financial)
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 Apr 2026
Estate planning articles
Learn how to protect your KEMBA accounts and other assets with trusts, beneficiary designations, and estate planning documents.
