Preparing your Tinker FCU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Tinker FCU 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.

Tinker FCU offers 13 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.

Click CheckingClassic CheckingHeritage Club CheckingEveryday SpendingShare SavingsPremium PlusCommand FundShare CertificateSpending Account for Kids & Teens

1Visit any full-service TFCU branch with government-issued photo ID

2Request to add or update POD (Payable on Death) beneficiary designations

3Provide beneficiary details: full name, date of birth, Social Security number, and relationship

4Designate primary and contingent beneficiaries

5Sign and submit the completed designation

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

POD designations available for deposit accounts (checking, savings, certificates, money market)
Online beneficiary designation is not available; must use branch, phone, or mail
POD accounts pass directly to designated beneficiaries outside of probate
Financial institutions are legally required to distribute POD funds to designated beneficiaries regardless of will provisions
Investment account beneficiaries managed separately through Raymond James / TFCU Financial Advisors
Review recommended annually or after marriage, divorce, birth of a child, or death of a beneficiary