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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Bank of America

Estate planning at Bank of America

How to protect 16 Bank of America accounts — manage beneficiaries online, fund a trust in-branch, and file claims through Bank of America's Estate Servicing Operations

Bank of America

Subsidiary of Bank of America Corporation

bankofamerica.com→
Bank of America logo
Phone1-800-432-1000
Toll-Free1-800-432-1000
Fax1-866-694-9046
Mailing Address

Bank of America, PO Box 25118, Tampa, FL 33622-5118

Spanish Language
1-800-688-6086
International (collect)
1-315-724-4022
Small Business
1-888-600-4000
Mortgage & Home Equity
1-800-669-6607
Home Equity Line
1-800-934-5626

Estate Servicing Operations

Phone1-888-689-4466
Fax1-866-694-9046
Mailing Address

Bank of America, Estate Servicing Operations, PO Box 31655, Tampa, FL 33631-1655

Merrill Life Services
1-855-450-9015
Merrill General
1-866-848-6554
Private Bank
1-800-878-7878
WebsiteLearn more→

Estate Servicing Operations (ESO)

Phone1-888-689-4466
Fax1-866-694-9046
Mailing Address

Bank of America, Estate Servicing Operations, PO Box 31655, Tampa, FL 33631-1655

Estate Services Online support (enrollment, login, case visibility)
1-888-689-4464
Merrill Life Services
1-855-450-9015
Merrill Life Services Fax
917-778-0797
Merrill General
1-866-848-6554
Private Bank
1-800-878-7878
Home Loans (deceased borrower servicing)
1-800-669-6607
Name and Title Change Unit fax (mortgage/HELOC successor in interest)
1-866-200-5596
WebsiteNotify online→
Verified Jul 2026

Bank of America has 16 accounts, each with different rules for what happens when the account holder dies. Of those, 14 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.

Beneficiary designations at Bank of America can be managed online, in branch, and by phone, typically taking a few minutes online. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.

Bank of America has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to manage beneficiaries online, fund a trust in-branch, and review 16 account types at Bank of America.

View details →

When someone dies

Death claim process

Contact Bank of America's Estate Servicing Operations to file a claim. 9-step process, 12 required documents, and contact information for survivors.

View details →

Bank of America's Estate Servicing Operations can answer questions about beneficiaries, trusts, or death claims at 1-888-689-4466.

SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • bankofamerica.com
  • images.em.bankofamerica.com
  • merrilledge.com
  • olui2.fs.ml.com
  • info.bankofamerica.com

Data sourced from Bank of America primary sources (25 pages reviewed). How we research.

Bank of America

Subsidiary of Bank of America Corporation

bankofamerica.com→
Bank of America logo
Phone1-800-432-1000
Toll-Free1-800-432-1000
Fax1-866-694-9046
Mailing Address

Bank of America, PO Box 25118, Tampa, FL 33622-5118

Spanish Language
1-800-688-6086
International (collect)
1-315-724-4022
Small Business
1-888-600-4000
Mortgage & Home Equity
1-800-669-6607
Home Equity Line
1-800-934-5626

Estate Servicing Operations

Phone1-888-689-4466
Fax1-866-694-9046
Mailing Address

Bank of America, Estate Servicing Operations, PO Box 31655, Tampa, FL 33631-1655

Merrill Life Services
1-855-450-9015
Merrill General
1-866-848-6554
Private Bank
1-800-878-7878
WebsiteLearn more→

Estate Servicing Operations (ESO)

Phone1-888-689-4466
Fax1-866-694-9046
Mailing Address

Bank of America, Estate Servicing Operations, PO Box 31655, Tampa, FL 33631-1655

Estate Services Online support (enrollment, login, case visibility)
1-888-689-4464
Merrill Life Services
1-855-450-9015
Merrill Life Services Fax
917-778-0797
Merrill General
1-866-848-6554
Private Bank
1-800-878-7878
Home Loans (deceased borrower servicing)
1-800-669-6607
Name and Title Change Unit fax (mortgage/HELOC successor in interest)
1-866-200-5596
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Bank of America accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your Bank of America accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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