How to name beneficiaries and fund a trust at VyStar
Covers 12 deposit, 4 retirement, and 1 investment accounts — beneficiaries must be updated in-branch
Phone1-800-445-6289
Toll-Free1-800-445-6289
Emailinfo@vystarcu.org
Mailing Address
VyStar Credit Union, P.O. Box 45085, Jacksonville, FL 32232-5085
Main Contact Center
TDD Telephone Service
TDD Toll-Free
Deceased Concierge Team
Phone(904) 420-5878
Toll-Free1-800-445-6289
Emailinfo@vystarcu.org
Mailing Address
ATTN Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
Main Contact Center
TDD Telephone Service
TDD Toll-Free
WebsiteLearn more→
Deceased Concierge Team
Phone(904) 420-5878
Emailinfo@vystarcu.org
Mailing Address
VyStar Credit Union, ATTN: Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
WebsiteNotify online→
Verified May 2026
There are two ways to keep your VyStar accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because VyStar 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 17 product types, VyStar 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.
VyStar Free CheckingVyStar+ CheckingVyStar Senior CheckingVyStar SavingsVyStar Holiday SavingsVyStar Education Savings Account (ESA)VyStar Money MarketVyStar Share CertificateVyStar 18-Month Step-Up CertificateVyStar Health Savings Account (HSA)VyStar Youth CheckingVyStar Youth Savings
1
Visit any VyStar branch and request a beneficiary update
- Bring government-issued photo ID
- Request a beneficiary designation update for your account(s)
2
Provide beneficiary details and allocation
- Provide beneficiary information: full name, date of birth, Social Security number, and relationship
- Specify primary and contingent beneficiaries with percentage allocations
- For trusts as beneficiary: provide trust name, date of trust, and EIN
3
Complete the designation paperwork
- Complete and sign the updated Membership Application/Account Card
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD (Payable on Death) available for deposit accounts (checking, savings, money market, certificates)
- Trusts can be named as POD beneficiaries on deposit accounts
- IRA beneficiary designations are separate from deposit account POD designations
- HSA, business accounts, and loan accounts have different beneficiary procedures
- Beneficiary does not need to be present or be a VyStar member
- Changes may require a new Membership Application/Account Card or other designated form
Phone1-800-445-6289
Toll-Free1-800-445-6289
Emailinfo@vystarcu.org
Mailing Address
VyStar Credit Union, P.O. Box 45085, Jacksonville, FL 32232-5085
Main Contact Center
TDD Telephone Service
TDD Toll-Free
Deceased Concierge Team
Phone(904) 420-5878
Toll-Free1-800-445-6289
Emailinfo@vystarcu.org
Mailing Address
ATTN Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
Main Contact Center
TDD Telephone Service
TDD Toll-Free
WebsiteLearn more→
Deceased Concierge Team
Phone(904) 420-5878
Emailinfo@vystarcu.org
Mailing Address
VyStar Credit Union, ATTN: Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your VyStar accounts and other assets with trusts, beneficiary designations, and estate planning documents.
