How to name beneficiaries and fund a trust at Associated Bank
Covers 8 deposit, 6 retirement, 1 investment, and 2 lending accounts — beneficiaries must be updated in-branch
Phone1-800-236-8866
Private Banking
Home Equity & Auto Lending
Mortgage Direct Lending
Auto Finance
HSA / Benefits Connection (Participant)
HSA / Benefits Connection (Employer)
Escrow Analysis Questions
Personal Visa Credit Card
Business Credit Card
WebsiteLearn more→
Private Wealth - Trust & Estate Administration
Phone1-800-431-4649
Private Banking
Associated Investment Services
WebsiteLearn more→
WE CARE Department
Phone1-800-236-8866
Mailing Address
Associated Bank, WE CARE Department, 1305 Main Street, MS 7722, Stevens Point, WI 54481-0327
WE CARE Feedback Line
Verified Apr 2026
The key to protecting your Associated 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.
Associated Bank has 17 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.
Associated Access CheckingAssociated Balanced CheckingAssociated Choice CheckingAssociated SavingsAssociated Relationship SavingsAssociated Select Money MarketAssociated Certificate of DepositAssociated Benefits Connection HSA
1
Visit an Associated Bank branch location with government-issued photo ID
2
Request a POD (Payable on Death) beneficiary designation form from your banker
3
Complete the beneficiary designation form:
- Provide beneficiary full legal name, date of birth, and Social Security number
- Specify percentage allocation if naming multiple beneficiaries
4
All account holders must sign the form to add, change, or remove POD beneficiaries
5
Retain a copy of the completed form for your records
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Signatures of all account holders required to add, change, or remove POD beneficiaries
- An agent (power of attorney) cannot modify POD beneficiaries unless the agency document clearly authorizes the agent to exercise testamentary powers
- Beneficiaries must be living to claim funds
- If multiple POD beneficiaries are named, funds belong to surviving beneficiaries equally unless otherwise specified on the form
- POD beneficiaries have no ownership interest in the account until all account holders are deceased
- Named beneficiaries override instructions in a will
Phone1-800-236-8866
Private Banking
Home Equity & Auto Lending
Mortgage Direct Lending
Auto Finance
HSA / Benefits Connection (Participant)
HSA / Benefits Connection (Employer)
Escrow Analysis Questions
Personal Visa Credit Card
Business Credit Card
WebsiteLearn more→
Private Wealth - Trust & Estate Administration
Phone1-800-431-4649
Private Banking
Associated Investment Services
WebsiteLearn more→
WE CARE Department
Phone1-800-236-8866
Mailing Address
Associated Bank, WE CARE Department, 1305 Main Street, MS 7722, Stevens Point, WI 54481-0327
WE CARE Feedback Line
Verified Apr 2026
Estate planning articles
Learn how to protect your Associated Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
