How to name beneficiaries and fund a trust at RBFCU
Covers 8 deposit, 6 retirement, 1 investment, and 1 insurance accounts — beneficiaries must be updated in-branch
RBFCU, P.O. Box 2097, Universal City, TX 78148-2097
RBFCU Trust Services (MEMBERS Trust Company)
1 IKEA-RBFCU Parkway, Live Oak, Texas 78233
RBFCU Estate Assistance Department
RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097
There are two ways to keep your RBFCU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because RBFCU is a membership-based institution, trust retitling must maintain the membership eligibility requirement. Both methods ensure your accounts transfer directly to the people you choose, without court involvement.
With 16 product types, RBFCU 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.
- Provide beneficiary legal name, address, date of birth, and Social Security number
- For trusts as beneficiary: provide trust name, date established, and EIN
- Specify percentage allocation if naming multiple beneficiaries
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for all deposit accounts (checking, savings, money market, certificates)
- POD payees can be changed, added, or removed at any time without notice to other account owners
- Must provide beneficiary legal name, address, date of birth, and Social Security number
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- IRA beneficiary changes require the IRA Designation or Change of Beneficiary Form
- Investment account beneficiaries managed through RBFCU Investments Group (Ameriprise Financial Services) at 1-888-294-0202
- Beneficiary does not need to be present or be an RBFCU member
Sources
Data sourced from RBFCU primary sources (19 pages reviewed). How we research.
Download these RBFCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against RBFCU primary sources. Bring it to the branch or keep it beside the phone.
RBFCU, P.O. Box 2097, Universal City, TX 78148-2097
RBFCU Trust Services (MEMBERS Trust Company)
1 IKEA-RBFCU Parkway, Live Oak, Texas 78233
RBFCU Estate Assistance Department
RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097
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