How to name beneficiaries and fund a trust at Whitefish CU
Covers 4 deposit, and 2 retirement accounts — beneficiaries must be updated in-branch
Member Services
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
PO Box 37, Whitefish, MT 59937
WebsiteLearn more →
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
Whitefish Credit Union, PO Box 37, Whitefish, MT 59937
Verified Mar 2026
Preparing your Whitefish CU accounts for estate transfer involves two key steps: designating beneficiaries on each account and, where appropriate, retitling accounts into a trust. Because Whitefish CU 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.
Whitefish CU offers 6 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.
EcoCheckingSavings AccountCertificate AccountTrust Account
1Visit any Whitefish Credit Union branch (Whitefish, Kalispell, Polson, Columbia Falls, Thompson Falls, Eureka, or Missoula)
2Request a Payable on Death (POD) beneficiary designation form
3Provide beneficiary information: full name, date of birth, Social Security number, and relationship
4Specify percentage allocation if naming multiple beneficiaries
5All account holders must sign the form
6Submit to a member service representative for processing
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for checking, savings, and certificate accounts
- IRAs use a separate beneficiary designation form
- Trusts can be named as POD beneficiaries
- Multiple beneficiaries permitted with customizable allocation percentages
- Beneficiaries must be added to each account individually
- Changes can be made at any time at no charge
- POD accounts are NCUA-insured separately up to $250,000 per qualifying beneficiary
Member Services
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
PO Box 37, Whitefish, MT 59937
WebsiteLearn more →
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
Whitefish Credit Union, PO Box 37, Whitefish, MT 59937
Verified Mar 2026
Estate planning documents for Whitefish CU customers
Free documents designed to protect your Whitefish CU accounts.