Preparing your Banc of California accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

With 11 product types, Banc of California offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.

Personal Checking AccountInterest Checking AccountBanc-On AccountPersonal Savings AccountKids Banc AccountPersonal Money Market AccountPersonal Retirement Money Market AccountCertificate of Deposit (CD)

1Log in to Banc of California Online Banking

2Navigate to account settings or beneficiary management

3Select the account to add or update a beneficiary

4Enter beneficiary information including name, date of birth, SSN, and relationship

5Designate allocation percentages if naming multiple beneficiaries

6Review and submit the beneficiary designation

Online Portal →

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Community property state (California): spousal consent may be required for IRA beneficiary changes naming someone other than the spouse
Trust beneficiaries require the full legal trust name, trust date, and trustee names