Preparing your BOK Financial 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 17 product types, BOK Financial 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.

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1Visit a BOK Financial branch location with government-issued photo ID

2Request a POD (Payable on Death) beneficiary designation form for your deposit accounts

3Provide each beneficiary's full legal name, date of birth, and Social Security number

4Specify percentage allocations for each beneficiary (must total 100%)

5For trusts as beneficiary: provide trust name, date established, and tax ID number

6Review and sign the completed POD designation form with a banker

Required Documents

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

Special Requirements

POD assets bypass probate entirely
POD designations override your will
Trusts can be named as POD beneficiaries on deposit accounts
IRA beneficiary designations use a separate form from POD designations for deposit accounts
Named beneficiaries should be reviewed periodically and after major life events