How to name beneficiaries and fund a trust at Atlantic Union
Covers 13 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more→
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Jul 2026
The key to protecting your Atlantic Union 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.
Each of Atlantic Union's 17 accounts has different rules for how it transfers at death. The sections below explain the options for each.
Free CheckingLoyalty CheckingPreferred CheckingPRISM CheckingThankU CheckingPersonal SavingsLoyalty SavingsPRISM SavingsDeluxe Club SavingsMoney MarketPerformance Money MarketCertificate of Deposit (CD)Health Savings Account (HSA)
1
Visit an Atlantic Union Bank branch with required identification:
- Bring valid government-issued photo ID
2
Request to add a POD (Payable on Death) beneficiary designation to your deposit account
3
Provide beneficiary details:
- Each beneficiary's full legal name and identifying information
- Percentage allocations if naming multiple beneficiaries
- For IRA accounts, complete separate beneficiary designation paperwork
4
Sign updated account documentation
5
Request a copy of the updated designation for your records
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary cannot withdraw unless account owner dies and beneficiary is then living
- Account owner retains the right to change beneficiaries, change account types, and withdraw funds at any time
- Joint account holders may need to agree on beneficiary designations
- Beneficiary changes must be made by notifying the bank in writing or in person; the bank requires reasonable opportunity to act on the request
- For IRA accounts with multiple beneficiaries, unequal shares may be designated by notifying the bank in writing
Sources
Data sourced from Atlantic Union primary sources (20 pages reviewed). How we research.
Download these Atlantic Union instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Atlantic Union primary sources. Bring it to the branch or keep it beside the phone.
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more→
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Jul 2026
Estate planning articles
Learn how to protect your Atlantic Union accounts and other assets with trusts, beneficiary designations, and estate planning documents.
