Trust and Fiduciary Accounts, Applications and Tools

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Trust and Fiduciary Accounts

Totten Accounts – Also known as a revokable trust, this allows you complete control of your accounts while you specify a beneficiary.
Trust Accounts – You can use accounts at DCU to support a trust agreement.
Fiduciary Accounts – You can use accounts at DCU to support a fiduciary relationship.
UTMA Accounts – Uniform Transfers to Minors Act accounts, also known as Custodial Accounts, give you a legal means to give money to a minor, but you keep control until they reach legal age.

Related Services and Tools

DCU Financial* – Our representatives can help you with a variety of non-traditional investment options for retirement, insurance, financial planning, and wealth-transfer (estate) planning.
StreetWise Guide to NCUA Insurance – Trust accounts receive special federal-insurance treatment. Learn the details and how you can maximize coverage.

Related Applications and Disclosures

Download Adobe Acrobat to view .pdf files. Version 6.0 or later required.

Custodial, Totten, and Ficuciary Account Membership Application (.pdf format) – to establish a new Custodial, Totten and/or Fiduciary Account along with DCU Membership.
Trust Application and Disclosure (.pdf format) – to establish a new DCU Trust Account.
Checking and Savings Application (.pdf format) – to open checking and savings accounts.
Certificate Application and Disclosure (.pdf format) – to open your certificate accounts.
Truth-in-Savings Disclosure (.pdf format, 36 pages) – Covers disclosures related to all DCU savings and checking accounts. DCU's Funds Availability Policies are covered here.

Funds Availability Policy (HTML) – This covers DCU's policies regarding holds on deposits.
Electronic Services Disclosure (.pdf format, 11 pages) – This covers disclosures related to DCU electronic services such as Check Cards, ATM Cards, Internet PC Branch, and Easy Touch Telephone Teller system.
Schedule of Fees and Service Charges (.pdf format)

* Securities, advisory services, and insurance products are offered by LPL Financial and its affiliates, a Registered Investment Advisor, Member FINRA/SIPC. DCU and DCU Financial are not registered broker/dealers, nor are they affiliated with LPL Financial. The DCU Financial site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: MA, NH, RI, GA, CO, and CT.

Not NCUA Insured.

Not Credit Union Guaranteed.

May Lose Value.

DCU Financial • 220 Donald Lynch Boulevard, Marlborough, MA 01752
800.328.8797, ext. 6077 • Email: financial@dcu.org
Visit DCU Financial for more information.

Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797