Tailored Banking Solutions for Life’s Milestones
Whether you're managing life’s transitions, setting up direct deposit, or transferring funds, Orion Financial offers a range of personal banking solutions designed to support you every step of the way.
Other Account Types
See Account Disclosures for important terms and conditions.
A court-appointed party, usually an executor, personal representative, or administrator, may choose to open an estate account after someone has passed away. The account can be accessed by the executor of the estate to deposit the decedent’s money and pay the decedent’s personal debts and bills, including funeral expenses. It is also an account the executor may utilize to distribute any applicable funds to beneficiaries of the estate.
Documents you may need to open an Estate Account:
- Death Certificate
- Small Estate Affidavit
- Letters Testamentary or Letters of Administration
- Employer Identification Number (EIN)
A power of attorney gives one or more persons the power to act on your behalf as agent or attorney-in-fact and handle your affairs on your behalf while you are alive. Your particular circumstances may indicate the need for granting either broader or more restrictive powers. These powers may include powers to encumber, sell, or otherwise dispose of any property held in your name without any advance notice to you or approval by you.
Documents you may need to establish a Power of Attorney:
- Notarized Power of Attorney document
- Note from physician(s) certifying incapacity
A representative payee is a person or entity appointed by Social Security Administration (SSA) to act on behalf of the recipient of benefits as authorized signer. The representative payee establishes the account in the name of the recipient as the only owner.
Documents you may need to establish a Representative Payee account:
- SSA appointment letter
A conservatorship may be established on behalf of a court-determined incapacitated adult person in which another entity or person, legally designated as conservator by the courts, acts on behalf of the incapacitated person as authorized signer. Some states refer to this type of account as a guardianship.
Documents you may need to establish a Conservatorship account:
- Court order appointing conservator/guardian
- Conservator’s certificate
A VA Fiduciary account can be established to assist veterans and/or their beneficiaries who, due to injury, disease or age, are unable to manage their financial affairs. A fiduciary is an individual or entity that has been appointed by the Department of Veterans Affairs (VA) to receive VA funds on behalf of a beneficiary for the use and benefit of the beneficiary and his/her dependents.
Documents you may need to open a VA Fiduciary account:
- Letter from VA appointing the VA Fiduciary person
A trust account is a fiduciary arrangement where a third party, known as the trustee, holds funds or assets for the benefit of a beneficiary or beneficiaries. There are different types of trust accounts, each serving a specific purpose. Please be aware that Orion Financial does not have a trust department and, by law, is not authorized to act as a trustee for holding funds.
Documents you may need to open a Trust Account:
- Certificate of Trust
- Trust Document
- Employer Identification Number (EIN) for certain types of trust
Simplified Direct Deposit
Does your employer offer Direct Deposit? Great!
Orion can help you get started. Direct Deposit with Orion Financial is quick, easy, and free of charge. If you have an Orion Premium Checking account, it’s also the easiest way to meet one of the requirements to earn your monthly dividends.
Set up Direct Deposit
Your employer will need your Orion checking or savings account number as well as Orion’s routing number: 284084907. Employers have unique requirements for their set up and may ask you for a voided check.
Order Checks
If you need to order checks, you can order more through your Orion Digital Banking account, or by visiting a branch.
Switching Your Accounts is Easy
If you are looking to set up your direct deposit for a new Orion account, check out Orion’s Switch Kit to ensure you don’t forget anything when switching your accounts to Orion.
Wire Transfers
A wire transfer is used when large sums of money are being moved. Some examples of large payments typically transferred via wire include a down payment on a new home or a business purchase.
Where Can I Wire Funds?
An Orion Financial member can send and receive funds by wire, both domestically and internationally. Wire transfers can be conducted between financial institutions only using the recipient's bank account number.
How Do I Wire Funds?
You may submit a request for a wire transfer during business hours at any Orion Financial location. You should get the proper wiring instructions from the receiving financial institution.
There is a fee for using a wire transfer. See Orion Financial’s fee schedule to see more details.
Other Services
Debt Protection
Life can take unexpected turns, but with loan payment protection for life, disability, or involuntary unemployment, you can safeguard your finances. Filing a claim is quick and easy—start online or call 800.621.6323 for guidance from a Claims Specialist.
AD&D Protection
Accidental Death & Dismemberment (AD&D), an exclusive benefit of Orion membership, is $2,000 of insurance coverage at absolutely no cost to you. AD&D coverage pays you or your loved ones after an accident results in a covered injury or loss of life.
Insurance
Orion makes it easy to protect your everyday. As your trusted financial institution, we offer a range of insurance services with your financial security in mind. Additional coverage options include travel insurance, identity theft protection, and more.