Estate planning at Cadence Bank
How to protect 15 Cadence Bank accounts — manage beneficiaries online, fund a trust in-branch, and file claims through Cadence Bank's Cadence Asset Management & Trust
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services
WebsiteLearn more →
Death Claims
Phone1-888-797-7711
Toll-Free1-888-797-7711
Mailing Address
Cadence Bank, Attn: Deposit Operations, P.O. Box 789, Tupelo, MS 38802
Verified Feb 2026
Cadence Bank offers 15 consumer accounts that interact with estate planning in distinct ways. Of those, 13 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Cadence Bank can be managed online, in branch, and by phone, typically taking 10-15 minutes online; 15-20 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Cadence Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 15 account types at Cadence Bank.
View details →When someone dies
Death claim process
Contact Cadence Bank's Cadence Asset Management & Trust to file a claim. 8-step process, 8 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Cadence Bank's Cadence Asset Management & Trust at 1-888-797-7711.
Cadence Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. A trust can be named as a POD beneficiary on Cadence Bank deposit accounts. This typically requires visiting a branch or calling customer service at 1-888-797-7711, as trust beneficiary designations may need additional documentation. For IRA accounts, a trust can also be named as beneficiary through the Wealth Management division.
Yes. Cadence Bank accepts both revocable and irrevocable trusts for checking, savings, money market, and CD accounts. Visit a branch with your Certification of Trust or full trust agreement, government-issued ID for all trustees, and the trust Tax ID number. Existing personal accounts can also be retitled to a trust at a branch.
You will need a Certification of Trust (or full trust agreement), government-issued photo ID for all trustees, and the Social Security number or EIN for the trust. Bring these documents to any Cadence Bank branch. Any amendments to the original trust should also be included.
No. IRA accounts (Traditional, Roth, and IRA CDs) cannot be retitled to a trust. However, you can name a trust as the beneficiary of your IRA. Contact Cadence Wealth Management at (713) 871-5445 or visit a branch for assistance with IRA beneficiary designations.
Yes. Cadence Asset Management & Trust provides corporate trustee, co-trustee, executor, and co-executor services. The bank offers trust administration, estate settlement, court-created trust management, and special needs trust services. Contact the Wealth Management division at (713) 871-5445 for details.
If the account holder did not name a POD beneficiary and the account is individually owned, Cadence Bank will freeze the account until it receives proper legal authority to distribute the funds. This typically requires Letters Testamentary or Letters of Administration from probate court, or a small estate affidavit where allowed by state law.
Yes. Cadence Bank deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category. POD beneficiaries and trust beneficiaries may each qualify for separate $250,000 coverage, increasing total insured amounts based on the number of qualifying beneficiaries.
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services
WebsiteLearn more →
Death Claims
Phone1-888-797-7711
Toll-Free1-888-797-7711
Mailing Address
Cadence Bank, Attn: Deposit Operations, P.O. Box 789, Tupelo, MS 38802
Verified Feb 2026
Estate planning resources for Cadence Bank customers
Tools and documents to help protect your Cadence Bank accounts.
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