How to name beneficiaries and fund a trust at Whitefish CU
Covers 5 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→
Member Services
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
Whitefish Credit Union, PO Box 37, Whitefish, MT 59937
Verified Apr 2026
There are two ways to keep your Whitefish CU accounts out of probate: adding Payable on Death designations and retitling accounts into a trust. Because Whitefish CU 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.
Whitefish CU has 7 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
EcoCheckingSavings AccountCertificate AccountStudent EcoCheckingTrust Account
1
Visit any Whitefish Credit Union branch to request a POD form
- Branch locations include Whitefish, Kalispell, Polson, Columbia Falls, Thompson Falls, Eureka, and Missoula
- Request a Payable on Death (POD) beneficiary designation form from a member service representative
2
Complete the beneficiary designation form
- Provide beneficiary information: full name, date of birth, Social Security number, and relationship
- Specify percentage allocation if naming multiple beneficiaries
3
Sign and submit the form
- All account holders must sign the form
- Submit 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→
Member Services
Phone(406) 862-3525
Toll-Free(877) 862-3525
Mailing Address
Whitefish Credit Union, PO Box 37, Whitefish, MT 59937
Verified Apr 2026
Estate planning articles
Learn how to protect your Whitefish CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
