All branches will be closed Monday, February 21 in observance of Presidents' Day. See Holiday Schedule.

Payable on Death (POD) Accounts

Any savings account, checking account, or certificate (excluding IRA accounts) can be made into a Payable On Death (POD) account.

Stipulations of a POD Account

  • During the lifetime of the owner(s) any deposits or withdrawals can be made at any time by the owner(s)
  • One or more people can be named to receive the funds in a POD account when the last owner of the account dies
  • Beneficiary can be changed at any point prior to the death of the owner(s). The account can be changed back into a regular account at any point prior to the death of the owner(s)
  • Funds in POD accounts do not go through probate and are not subject to any wills
  • Funds in POD accounts can be seized upon the death of the owner to pay for any outstanding debts or taxes if the amount left in their estate is not enough to cover their obligations

If you would like to open a POD account, or convert an existing account to a POD account, contact our Member Service Call Center or stop by your local branch.