How to name beneficiaries and fund a trust at PSECU
Covers 8 deposit, and 2 retirement accounts — beneficiaries can be updated by phone
PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013
Application Processing (Estate, Living Trust, and Tentative Trust accounts)
PSECU, P.O. Box 67009, Harrisburg, PA 17106-7009
Decedent Department
PSECU, P.O. Box 67013, Harrisburg, PA 17106, Attn: Decedent Department
Estate planning at PSECU means getting each account set up so it transfers automatically when you die—either through a POD beneficiary or trust ownership. Because PSECU 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.
With 10 product types, PSECU 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.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- PSECU is digital-first with only two branches (Lemoyne and Cameron Street, Harrisburg) and a State College service center; beneficiary designations are handled by mail, fax, or email, not through digital banking
- PSECU calls its POD structure a "Tentative Trust." Per the PSECU Agreements and Disclosures, the Tentative Trust is revocable, the owner keeps full transactional control, beneficiaries can be designated or changed at any time (not just at account opening), and designated beneficiaries have no transactional authority while the owner is alive
- The Tentative Trust Application is the only form needed to open a Tentative Trust account (per the Agreements and Disclosures)
- Beneficiaries listed on Form 2819 replace all existing beneficiaries on the account
- IRA beneficiary designations are separate from the deposit-account Tentative Trust and run through the IRA Department (extension 3570)
Sources
Data sourced from PSECU primary sources (20 pages reviewed). How we research.
Download these PSECU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against PSECU primary sources. Bring it to the branch or keep it beside the phone.
PSECU, P.O. Box 67013, Harrisburg, PA 17106-7013
Application Processing (Estate, Living Trust, and Tentative Trust accounts)
PSECU, P.O. Box 67009, Harrisburg, PA 17106-7009
Decedent Department
PSECU, P.O. Box 67013, Harrisburg, PA 17106, Attn: Decedent Department
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