How to name beneficiaries and fund a trust at Apple Bank
Covers 8 deposit, and 4 retirement accounts — beneficiaries must be updated in-branch
A
Apple Bank Customer Service - CustomerLine
Phone914-902-2775
Toll-Free800-722-6888
TDD
Retirement Services (IRA/Keogh)
WebsiteLearn more→
Estate Settlement Services
Mailing Address
Apple Bank, Estate Settlement Services, 1075 Central Park Avenue, Suite B09, Scarsdale, NY 10583-3242
CustomerLine
Retirement Services (IRA beneficiary/trustee transfers)
WebsiteLearn more→
Depositor Services - Estate Processing
Phone914-902-2775
Toll-Free800-722-6888
Mailing Address
Apple Bank, Depositor Services, 1075 Central Park Avenue, Suite B09, Scarsdale, NY 10583-3242
TDD
Retirement Services (IRA claims)
WebsiteNotify online→
Verified Jun 2026
The key to protecting your Apple Bank accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Apple Bank has 12 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
ExtraValue℠ CheckingSimple CheckingBasicValue CheckingBasic SavingsSimple SavingsMy Reserve SavingsChoice Money Market AccountCertificate of Deposit
1
Visit any Apple Bank branch with government-issued photo ID
2
For deposit accounts (checking, savings, money market, CD), update the account title on the Profile/Signature Card:
- Choose the account title: Individual, Individual In Trust For (I/T/F), Joint, or Jointly In Trust For (I/T/F)
- Complete the Beneficiary Designation -- In Trust For (I/T/F) or Payable on Death -- with the beneficiary's last name, first name, middle initial, address, date of birth, and relationship
- The beneficiary does not sign the form
3
Sign the signature card; for joint accounts each owner signs the corresponding signature box
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Deposit-account POD beneficiaries are recorded on the account title card -- there is no online beneficiary tool
- Married IRA owners naming a non-spouse primary beneficiary must obtain spousal consent on the IRA/HSA Beneficiary Designation form
- A new beneficiary designation supersedes all prior designations for the same account
A
Apple Bank Customer Service - CustomerLine
Phone914-902-2775
Toll-Free800-722-6888
TDD
Retirement Services (IRA/Keogh)
WebsiteLearn more→
Estate Settlement Services
Mailing Address
Apple Bank, Estate Settlement Services, 1075 Central Park Avenue, Suite B09, Scarsdale, NY 10583-3242
CustomerLine
Retirement Services (IRA beneficiary/trustee transfers)
WebsiteLearn more→
Depositor Services - Estate Processing
Phone914-902-2775
Toll-Free800-722-6888
Mailing Address
Apple Bank, Depositor Services, 1075 Central Park Avenue, Suite B09, Scarsdale, NY 10583-3242
TDD
Retirement Services (IRA claims)
WebsiteNotify online→
Verified Jun 2026
Estate planning articles
Learn how to protect your Apple Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
