How to name beneficiaries and fund a trust at Beacon Bank
Covers 15 deposit, 4 retirement, 1 hsa, and 4 lending accounts — beneficiaries must be updated in-branch
Brand change
Brookline Bank is now Beacon Bank & Trust. Brookline Bancorp and Berkshire Hills Bancorp completed a merger of equals on September 1, 2025 to form Beacon Financial Corporation (NYSE: BBT); the next day, September 2, 2025, the FDIC recorded the legal name change of the Brookline Bank charter (CERT 17798) to Beacon Bank and Trust and consolidated Berkshire Bank, Bank Rhode Island, and PCSB Bank into it. Branch signage and account documents converted to the single Beacon Bank brand on February 9, 2026. Because the Brookline charter is the surviving one, legacy Brookline accounts, account numbers, and the 211371489 routing number were never reissued. Effective September 2025.
The procedures below reflect Beacon Bank's accounts. Account servicing may transfer as the change takes effect.
Beacon Bank Call Center
Beacon Bank & Trust, 131 Clarendon Street, Boston, MA 02116
Beacon Bank Trust & Estate Services (trust administration and estate settlement)
Beacon Bank Call Center — deposit estate matters are routed to a branch; there is no central deposit claims unit
Beacon Bank & Trust, 131 Clarendon Street, Boston, MA 02116
The key to protecting your Beacon 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.
With 24 product types, Beacon Bank 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.
- Full legal name and identifying information for each beneficiary
- Percentage allocations if naming multiple beneficiaries
- For IRA, IRA CD, IRA Savings, and HSA accounts, complete the separate beneficiary designation paperwork
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- No online or downloadable POD form is published; beneficiary changes are executed on signed account documentation, normally in branch
- IRA, IRA CD, IRA Savings, and HSA beneficiary designations are handled on separate retirement/health-account paperwork, not through a deposit-account POD
- Joint account holders may need to agree on beneficiary designations
- A Relationship Savings or Relationship Money Market account depends on the holder being PRIMARY OWNER of a Checking Plus or Premium Checking account, so account restructuring can change which accounts a POD designation applies to
Sources
Data sourced from Beacon Bank primary sources (20 pages reviewed). How we research.
Download these Beacon Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Beacon Bank primary sources. Bring it to the branch or keep it beside the phone.
Beacon Bank Call Center
Beacon Bank & Trust, 131 Clarendon Street, Boston, MA 02116
Beacon Bank Trust & Estate Services (trust administration and estate settlement)
Beacon Bank Call Center — deposit estate matters are routed to a branch; there is no central deposit claims unit
Beacon Bank & Trust, 131 Clarendon Street, Boston, MA 02116
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