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
VyStar Credit Union, P.O. Box 45085, Jacksonville, FL 32232-5085
Deceased Concierge Team
ATTN Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
Deceased Concierge Team
VyStar Credit Union, ATTN: Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
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.
- Bring government-issued photo ID
- Request a beneficiary designation update for your account(s)
- 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
- 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
Sources
Data sourced from VyStar primary sources (19 pages reviewed). How we research.
Download these VyStar instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against VyStar primary sources. Bring it to the branch or keep it beside the phone.
VyStar Credit Union, P.O. Box 45085, Jacksonville, FL 32232-5085
Deceased Concierge Team
ATTN Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
Deceased Concierge Team
VyStar Credit Union, ATTN: Deceased Processing, P.O. Box 45085, Jacksonville, FL 32232-5085
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