How to name beneficiaries and fund a trust at Navigant CU
Covers 13 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch
Phone(401) 233-4700
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Telephone Banking
Credit Card Support
WebsiteLearn more →
Phone(401) 233-4700
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Telephone Banking
Credit Card Support
WebsiteLearn more →
Death Claims
Phone(401) 233-4700
Fax(401) 233-4715
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Verified Mar 2026
Preparing your Navigant CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Navigant CU 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.
Navigant CU offers 17 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.
Navigant Journey Rewards CheckingNavigant Personal CheckingNavigant Relationship CheckingNavigant New Beginnings CheckingNavigant Statement SavingsNavigant Compass Money MarketNavigant Relationship Money MarketNavigant CertificateNavigant Jumbo CertificateNavigant Embark AccountNavigant Kickstart SavingsNavigant Christmas ClubNavigant Vacation Club
1Visit any of Navigant's 25 branch locations
2Request the Payable on Death (POD) beneficiary designation form or Totten Trust account form
3Bring government-issued photo ID
4Provide full legal names and residential addresses for each beneficiary
5All account owners must sign the form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Navigant supports both Payable on Death (POD) accounts and Totten Trust accounts for beneficiary designations on deposit accounts
- Totten Trust accounts do not require a formal trust document
- Beneficiaries must provide their name and residential address
- Beneficiaries have no interest in or access to the account until the death of all account owners
- Upon death of the last surviving owner, funds pass to then-living beneficiaries in equal shares
- Certain Rhode Island state law restrictions may apply to POD accounts
- IRA beneficiary designations are separate from deposit account POD designations
Phone(401) 233-4700
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Telephone Banking
Credit Card Support
WebsiteLearn more →
Phone(401) 233-4700
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Telephone Banking
Credit Card Support
WebsiteLearn more →
Death Claims
Phone(401) 233-4700
Fax(401) 233-4715
Mailing Address
Navigant Credit Union, 1005 Douglas Pike, Smithfield, RI 02917
Verified Mar 2026
Estate planning documents for Navigant CU customers
Free documents designed to protect your Navigant CU accounts.