How to name beneficiaries and fund a trust at Banner Bank
Covers 10 deposit, 4 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Banner Bank Client Contact Center
Phone1-509-527-3636
Toll-Free1-800-272-9933
Mailing Address
Banner Corporation, 10 South First Avenue, P.O. Box 907, Walla Walla, WA 99362
Lost or stolen card (after hours)
Home Loans Central
Home equity / consumer lending
WebsiteLearn more→
Banner Wealth and Investment Services (advice through LPL Financial; Banner Bank has no trust department)
Phone1-800-272-9933
WebsiteLearn more→
Branch team / Client Contact Center (Banner publishes no separate estate or claims department)
Phone1-509-527-3636
Toll-Free1-800-272-9933
Mailing Address
Banner Corporation, 10 South First Avenue, P.O. Box 907, Walla Walla, WA 99362
Mortgage Help team (deceased borrower)
Mortgage servicing (direct)
Home equity / consumer lending
WebsiteNotify online→
Verified Jul 2026
The key to protecting your Banner 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.
Banner Bank has 16 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.
Banner's Best CheckingConnected CheckingRewards CheckingBanner's Digital AccountHigh Yield Relationship SavingsBanner's Best SavingsConnected SavingsMoney Market SavingsCertificate of Deposit (CD)Coverdell Education Savings Account (CESA)
1
Visit any Banner Bank branch with a valid government-issued photo ID
2
Ask the banker to add or change the Payable On Death beneficiaries on your deposit accounts, or the beneficiary designation on your IRA
3
Provide the beneficiary details:
- Full legal name and identifying information for each beneficiary
- For deposit accounts: Banner's Consumer Deposit Account Agreement gives surviving beneficiaries EQUAL shares "unless otherwise indicated," so state any unequal split explicitly and confirm the banker has recorded it
- For IRAs (Traditional, Roth, SEP, SIMPLE): complete the IRA's own beneficiary designation with primary and contingent beneficiaries — a deposit-account POD designation does not reach an IRA
4
Review and sign the updated account documentation. Banner "may require that account changes requested by any account owner ... be evidenced by a signed document" it accepts, so a verbal change is not enough
5
Ask for a copy of the signed designation for your records
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes must be in writing "in a form acceptable to us" (Consumer Deposit Account Agreement, Rev. 05/2025) — Banner does not accept a beneficiary change by phone alone
- Deposit POD default is equal shares among surviving beneficiaries "unless otherwise indicated"
- A trust named as beneficiary may require a Certification of Trust
- IRA beneficiary changes by a married account holder in the community property states Banner serves (WA, ID, CA) may require written spousal consent — confirm with your branch
- Banner does not publish downloadable beneficiary forms on its public site; forms come from a branch or the Client contact center
Sources
Data sourced from Banner Bank primary sources (15 pages reviewed). How we research.
Download these Banner Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Banner Bank primary sources. Bring it to the branch or keep it beside the phone.
Banner Bank Client Contact Center
Phone1-509-527-3636
Toll-Free1-800-272-9933
Mailing Address
Banner Corporation, 10 South First Avenue, P.O. Box 907, Walla Walla, WA 99362
Lost or stolen card (after hours)
Home Loans Central
Home equity / consumer lending
WebsiteLearn more→
Banner Wealth and Investment Services (advice through LPL Financial; Banner Bank has no trust department)
Phone1-800-272-9933
WebsiteLearn more→
Branch team / Client Contact Center (Banner publishes no separate estate or claims department)
Phone1-509-527-3636
Toll-Free1-800-272-9933
Mailing Address
Banner Corporation, 10 South First Avenue, P.O. Box 907, Walla Walla, WA 99362
Mortgage Help team (deceased borrower)
Mortgage servicing (direct)
Home equity / consumer lending
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Banner Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
