Trusted funds management
HCU Trust Accounts give you secure fiduciary options designed to simplify your responsibilities.
Fiduciary accounts made simple
HCU Trust Accounts are built for fiduciaries, guardians, conservators, and estate managers who need to protect and manage funds responsibly. With enhanced safeguards, accurate reporting, and local support, you’ll have the tools you need to stay compliant and confident. Choose from dividend‑earning or cash‑back checking, plus savings and certificate options available specifically for trusts.
Work with your professional estate planner or attorney to create a trust agreement, and then contact us to establish any of these accounts for your Trust.
Protected funds
Trust funds stay securely separated from your personal finances, giving you clear documentation and peace of mind.
Clear reporting
Stay compliant with courts, attorneys, and beneficiaries with transparent account records.
Local support
Work with experienced HCU team members who understand fiduciary requirements and help you through every step.
Fiduciary checking options
A great option when you want trust funds to grow while remaining fully liquid. This account pays competitive dividends each month, helping maximize the trust’s earning potential.
Features include:
- Competitive monthly dividends
- No minimum balance
- No monthly fee
- Unlimited check writing
- Free Digital Banking + e‑Statements
- Fraud monitoring and overdraft protection options
Ideal when liquidity is important but earning consistent dividends is a priority.
Savings and Certificate options
A foundational savings account for trusts that provides secure fund storage and easy access when needed. Learn more.
What you'll need to open a trust account
When opening a Trust Account, please bring the proper documentation such as:
- Trust documents
- Court orders
- Letters of appointment
- EIN for the trust or estate
- Valid identification for all authorized signers
Not sure what you need? We can help guide you.
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