How to name beneficiaries and fund a trust at Star One
Beneficiaries are managed in branch or by mail. Trust paperwork is taken in branch or by mail
There are two ways to keep your Star One accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Star One 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.
Each of Star One's 14 accounts has different rules for how it transfers at death. The sections below explain the options for each.
- Residential and mailing address, SSN/TIN, birth date, and relationship to the member
Required Documents
- Beneficiary's residential and mailing address (for each beneficiary, up to four)
- Beneficiary's SSN or TIN (for each beneficiary, up to four)
- Beneficiary's birth date (for each beneficiary, up to four)
- Beneficiary's relationship to the member (for each beneficiary, up to four)
- Photocopy of a valid U.S. driver's license or state-issued ID card (by mail)
- Printed Account Card, signed in front of a notary (by mail)
- Notarized trust agreement or certification of trust
- Irrevocable trusts: IRS Form SS-4 (Application for EIN/TIN) and a certified copy of a death certificate, if applicable
- Photocopy of a valid U.S. driver's license or state-issued ID card
Required Documents
- Notarized trust agreement or certification of trust. Either is accepted. Star One's Certification of Trust by Trustee(s) form serves as the certification
- Membership Application and Account Card for the revocable or irrevocable trust
- Photocopy of a valid U.S. driver's license or state-issued ID card (by mail)
- IRS Form SS-4, Application for EIN/TIN (for an irrevocable trust)
- Certified copy of the death certificate (for an irrevocable trust, if applicable)
- Residential and mailing address, SSN/TIN, birth date, and relationship to the member
Required Documents
- Beneficiary's residential and mailing address (for each beneficiary, up to four)
- Beneficiary's SSN or TIN (for each beneficiary, up to four)
- Beneficiary's birth date (for each beneficiary, up to four)
- Beneficiary's relationship to the member (for each beneficiary, up to four)
- Photocopy of a valid U.S. driver's license or state-issued ID card (by mail)
- Printed Account Card, signed in front of a notary (by mail)
What Star One says about beneficiaries and trusts
Each section is Star One's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- IRA
A Pay-on-Death designation on the Account Card does not apply to an IRA. IRA beneficiaries are governed by a separate beneficiary designation.1
How many beneficiaries, and how shares are split
- All accounts
Up to four Pay-on-Death beneficiaries can be named on one Account Card.2
What a designation takes to be effective
- All accounts
A mailed Account Card must be signed in front of a notary. A Virtual Branch video appointment or a branch visit needs no notary.2
Beneficiary forms Star One issues1
- Membership Application and Account Card - Pay on Death
Completed by existing Star One members. Completed online.2
Return to
Mailing address: Star One Credit Union, P.O. Box 3643, Sunnyvale CA 94088-3643
What Star One's agreement says about beneficiaries1
- Joint accounts
When an account is payable to more than one Pay-on-Death beneficiary, those beneficiaries own it jointly with right of survivorship, unless the Account Card states otherwise.2
Trust account forms Star One issues3
- Membership Application and Account Card - Revocable Trust
Completed online.3
Return to
Mailing address: Star One Credit Union, P.O. Box 3643, Sunnyvale CA 94088-3643
- Membership Application and Account Card - Irrevocable Trust
Completed online.4
Return to
Mailing address: Star One Credit Union, P.O. Box 3643, Sunnyvale CA 94088-3643
- Certification of Trust by Trustee(s)
Available to download. Must be notarized.5
Return to
Mailing address: Star One Credit Union, Attn: Beneficiary/Retiree Services, P.O. Box 3643, Sunnyvale CA 94088-3643
What Star One says about trust accounts2
- Who signs for the trust
An agent under a power of attorney can act on a trust account only when the trust document also states that the trustee can delegate authority to an agent to act for the trust.7
Sources
Data sourced from Star One primary sources (22 pages reviewed). How we research.
Download these Star One instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Star One primary sources. Bring it to the branch or keep it beside the phone.
Star One estate support
Phone
Toll-free
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Hours
Mailing address
Website
Estate requests go through general customer service.
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