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 May 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.
The transfer rules at Navigant CU vary across 17 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Navigant Journey Rewards CheckingNavigant Personal CheckingNavigant Relationship CheckingNavigant New Beginnings CheckingNavigant Embark AccountNavigant Statement SavingsNavigant Compass Money MarketNavigant Relationship Money MarketNavigant Kickstart SavingsNavigant Christmas ClubNavigant Vacation ClubNavigant CertificateNavigant Jumbo Certificate
1
Visit any of Navigant's 25 branch locations
2
Bring required documents:
- Government-issued photo ID
- Payable on Death (POD) beneficiary designation form or Totten Trust account form (available at the branch)
3
Complete the form:
- Provide full legal names and residential addresses for each beneficiary
- All 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 May 2026
Estate planning articles
Learn how to protect your Navigant CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
