Estate planning at MIDFLORIDA
How to protect 21 MIDFLORIDA accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through MIDFLORIDA's Southeast Trust Company, LLC (trust administration and estate settlement; wholly owned by MIDFLORIDA)
Help Desk
MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008
Southeast Trust Company, LLC (trust administration and estate settlement; wholly owned by MIDFLORIDA)
Southeast Trust Company, 1603 SW 19th Ave, Ocala, FL 34471
Help Desk (no separate bereavement or estate-claims department; deposit-account death claims are handled by the Help Desk and in branch)
MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008
How your MIDFLORIDA accounts transfer at death depends on how each one is set up. As a membership-based credit union, MIDFLORIDA serves individuals and businesses who live, work, worship, or attend school in 59 of the 67 counties in Florida. Branches are concentrated along the I-4 corridor from Tampa to Orlando, with additional locations across central, north, and south Florida (a Fort Myers branch opened most recently). MIDFLORIDA acquired Prime Meridian Bank on March 1, 2026, adding the Tallahassee and Crawfordville markets; former Prime Meridian customers gained access to the full MIDFLORIDA branch network beginning April 20, 2026. Current branch list: https://www.midflorida.com/locations. With 21 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary designations at MIDFLORIDA can be managed in branch and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at MIDFLORIDA: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 21 account types at MIDFLORIDA.
View details →When someone dies
Death claim process
Contact MIDFLORIDA's Southeast Trust Company, LLC (trust administration and estate settlement; wholly owned by MIDFLORIDA) to file a claim. 7-step process, 7 required documents, and contact information for survivors.
View details →Reach MIDFLORIDA's Southeast Trust Company, LLC (trust administration and estate settlement; wholly owned by MIDFLORIDA) at 352-291-5999 for help with any of these procedures.
MIDFLORIDA is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Sources
Data sourced from MIDFLORIDA primary sources (18 pages reviewed). How we research.
Help Desk
MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008
Southeast Trust Company, LLC (trust administration and estate settlement; wholly owned by MIDFLORIDA)
Southeast Trust Company, 1603 SW 19th Ave, Ocala, FL 34471
Help Desk (no separate bereavement or estate-claims department; deposit-account death claims are handled by the Help Desk and in branch)
MIDFLORIDA Credit Union, P.O. Box 8008, Lakeland, FL 33802-8008
Estate planning articles
Learn how to protect your MIDFLORIDA accounts and other assets with trusts, beneficiary designations, and estate planning documents.
