How to name beneficiaries and fund a trust at Mountain America
Covers 12 deposit, 3 retirement, and 2 investment accounts — beneficiaries must be updated in-branch
Member Services
Phone1-800-748-4302
Toll-Free1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
Member Services
Phone1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
WebsiteLearn more →
Member Services
Phone1-800-748-4302
Mailing Address
Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091
Verified Mar 2026
Preparing your Mountain America accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Mountain America 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.
With 17 product types, Mountain America offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
MyFree CheckingMyStyle CheckingStudent CheckingPrimary SavingsMoney Market AccountHealth Savings Account (HSA)Standard CertificateGrowth CertificateChristmas Club CertificateYouth SavingsTeen SavingsYouth Certificate
1Visit a Mountain America branch with government-issued photo ID
2Request a Payable on Death (POD) beneficiary designation form
3Provide beneficiary details: full name, date of birth, Social Security number, and relationship
4For trusts as beneficiary: provide trust name, date established, and EIN
5Specify primary and contingent beneficiaries with percentage allocations
6All living account owners must sign the completed form at the branch
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations available for deposit accounts (checking, savings, certificates, money market)
- IRA beneficiaries are designated on a separate IRA beneficiary form
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- Changes must be signed by all living account owners per the Membership Agreement
- POD beneficiaries cannot be named for corporate, trust, or business accounts where the trust relationship is not established solely by the account terms
- Beneficiary designations cannot currently be managed through online banking
Member Services
Phone1-800-748-4302
Toll-Free1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
Member Services
Phone1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
WebsiteLearn more →
Member Services
Phone1-800-748-4302
Mailing Address
Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091
Verified Mar 2026
Estate planning documents for Mountain America customers
Free documents designed to protect your Mountain America accounts.