Clear, simple trust account solutions.

A trust account is an account owned by a trust—not an individual. It’s designed to hold and manage assets according to the instructions in a legal trust document, typically for estate planning or asset management purposes.

There are a few key roles:

• Trustor (Grantor/Settlor): The person who creates the trust
• Trustee: The person responsible for managing the trust and its assets
• Beneficiaries: The people or organizations who benefit from the trust

In many cases, the trustor also serves as the trustee.

The trustee manages the account day-to-day.
If the trust is revocable, the trustor typically retains control and can make changes or close the trust.

To get started, you’ll need documentation that confirms the details of your trust. This usually includes:

• Trust name and date established
• Type of trust
• Names of current and successor trustees
• How trustees are authorized to act (individually or jointly)
• Notarized signature page or certification of trust

We may also request additional documentation depending on your situation.

Yes. You’ll need to provide a death certificate for any deceased trustee.
If all original trustees have passed, the successor trustee will need to obtain a Tax ID Number (TIN) for the trust before the account can be updated or opened.

Trust accounts are designed for managing assets—not everyday spending. You can:

• Hold and manage funds under the trust
• Transfer assets according to trust instructions

Some services are not available for trust accounts, including:

• Debit or ATM cards
• Credit cards
• Loans or lines of credit (including HELOCs)
• IRA accounts

If you need those services, you can maintain a separate personal account alongside your trust account.

Yes—and in most cases, that’s the best approach.
Your personal account handles day-to-day banking, while your trust account is used for managing assets within your estate plan.

You can mail deposits or checks to:

By mail (USPS):
Sacramento Credit Union
Attn: [Department Name – e.g., Member Services / Deposit Operations]
[P.O. Box or Mailing Address]
[City, State ZIP]

Overnight delivery:
Sacramento Credit Union
Attn: [Department Name]
[Street Address]
[City, State ZIP]
[Phone Number]