How to name beneficiaries and fund a trust at Truliant FCU
Covers 13 deposit, 4 retirement, and 1 investment accounts — beneficiaries must be updated in-branch
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
Member Services (Death Claims)
Truliant Federal Credit Union, ATTN: Legal Department, 3200 Truliant Way, Winston-Salem, NC 27103
There are two ways to keep your Truliant FCU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Truliant FCU 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.
Across 18 product types, Truliant FCU accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
- Visit any Truliant branch location (37 branches across NC, SC, and VA)
- Ask for a "Payable on Death Account Agreement" by name — Truliant's own guidance (https://www.truliantfcu.org/knowledge-base/pod-accounts/truliant-policies-on-pod-accounts-and-more) is that members "simply ask for a Payable on Death Account Agreement"
- The POD agreement is NOT published as a downloadable PDF; it is only issued by a branch or mailed on request. The Personal Account Change Form on truliantfcu.org covers name/address changes and adding or removing joint owners — it has no beneficiary section and cannot be used to add a POD beneficiary
- Complete the form with primary and contingent beneficiary information
- For a trust beneficiary: provide the trust name, the date of the trust, and the trustee information; a Certificate of Trust may be requested
- All account owners must sign the form
- Submit the signed form to the branch representative
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation is available for all deposit accounts (checking, savings, money market, and share certificates)
- There is no online beneficiary enrollment at Truliant, and the POD agreement is not published as a downloadable form — it must be requested from a branch or by phone at (800) 822-0382
- The Personal Account Change Form (the one form Truliant does publish) covers name, address, joint owners, and adding or removing accounts and services — it contains no beneficiary section
- IRA accounts are treated as Payable on Death accounts; beneficiaries are designated at account opening and the owner may submit a form at any time to update, add, or remove them
- Upon death of the last surviving owner, POD funds are distributed to the designated beneficiaries and are not controlled by a will
- Each account must be updated individually; beneficiary designations do not automatically carry across accounts
- Truliant's Deposit Account Agreement grants the credit union a security interest and right of setoff in every account except IRAs and tax-deferred Keogh accounts, so an unpaid Truliant loan can be collected out of a POD deposit account before beneficiaries are paid
- Completed forms may be returned by mail or fax to (336) 794-5108
Sources
Data sourced from Truliant FCU primary sources (15 pages reviewed). How we research.
Download these Truliant FCU instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Truliant FCU primary sources. Bring it to the branch or keep it beside the phone.
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
Truliant FCU, P.O. Box 26000, Winston-Salem, NC 27114-6000
Member Services (Death Claims)
Truliant Federal Credit Union, ATTN: Legal Department, 3200 Truliant Way, Winston-Salem, NC 27103
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