How to name beneficiaries and fund a trust at Banc of California
Covers 10 deposit, and 3 retirement accounts — beneficiaries can be managed online
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
Outside U.S.
TTY
Business Online Support
WebsiteLearn more→
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
Outside U.S.
TTY
Business Online Support
WebsiteLearn more→
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
WebsiteNotify online→
Verified Apr 2026
The key to protecting your Banc of California 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.
With 13 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 AccountFree Checking AccountPersonal Savings AccountKids Banc AccountPersonal Money Market AccountPersonal Retirement Money Market AccountCertificate of Deposit (CD)Health Savings Account (HSA)
1
Log in to Banc of California Online Banking
2
Navigate to account settings or beneficiary management
3
Select the account to add or update a beneficiary
4
Enter beneficiary information:
- Full legal name, date of birth, SSN, and relationship
- Allocation percentages if naming multiple beneficiaries
- Designation as primary or contingent
5
Review and submit the beneficiary designation
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
- Banc of California recognizes both informal revocable trusts (POD accounts) and formal revocable trusts (living/family trusts) per the Deposit Account Agreement
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
Outside U.S.
TTY
Business Online Support
WebsiteLearn more→
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
Outside U.S.
TTY
Business Online Support
WebsiteLearn more→
Client Care Center
Phone1-877-770-2262
Fax1-855-661-8155
Mailing Address
Banc of California, 11611 San Vicente Blvd., Suite 500, Los Angeles, CA 90049
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Banc of California accounts and other assets with trusts, beneficiary designations, and estate planning documents.
