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TCU Fiduciary Accounts

Looking Out for the Best Interest of Others

Our fiduciary accounts are designed to provide you with the confidence and support you need while fulfilling your legal duties as an executor, trustee, administrator or guardian. These deposit accounts are federally insured by the NCUA and can be managed via Digital Banking.

Types of Fiduciary Accounts

  • Representative Payee
  • Conservatorship Account
  • Executor/Administrator Estate Account
  • Guardianship Account
  • Court Blocked Account
  • Coogan Account
  • Uniform Transfer to Minor Account

What You’ll Need to Open an Account

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shield box icon, fiduciary accounts, TCU, Social Security Number of the individual who owns
 the funds or the Tax ID Number of the estate.

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 Eligibility Requirements

Want more info? Check out the Consumer Financial Protection Bureau's guides and other resources here: Learn More >

How to Open

Schedule an appointment or walk in at a branch
to speak to a representative. You may also call us
during normal business hours at (707) 449-4000.

Schedule Appointment

Frequently Asked Questions

You will primarily need a signed trust agreement, which outlines the terms of the trust, including the trustee and beneficiaries, along with personal identification for the trustee(s).

Yes, it is highly recommended to consult an estate planning attorney to create a legally sound trust document that aligns with your specific needs and state laws.

Common trust types include revocable living trusts (where you can modify the trust during your lifetime) and irrevocable trusts (where you cannot change the terms after establishing the trust).

A trustee can be an individual (such as a family member) or a professional institution such as a credit union or bank.

Once the trust is established, you transfer the designated assets (cash, investments, real estate, etc.) into the trust account.

The trustee is responsible for managing the trust assets according to the terms of the trust agreement, making distributions to beneficiaries, and keeping accurate records.

Whether you can modify a trust depends on the type of trust. Revocable trusts can usually be amended while irrevocable trusts may require court approval for changes.

Depending on the structure of the trust, there may be tax implications for the grantor, trustee and beneficiaries, so it's important to consult a tax professional.

After your death, the trustee will distribute the trust assets to the beneficiaries according to the terms outlined in the trust agreement.