Preparing your Cadence Bank 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 15 product types, Cadence 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.

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1Log in to Cadence Online Banking

2Navigate to account settings or beneficiary management

3Select the account to add a POD beneficiary

4Enter beneficiary name, date of birth, Social Security number, and relationship

5Allocate percentage if designating multiple beneficiaries

6Review and confirm the beneficiary designation

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Required Documents

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

Special Requirements

Naming a trust as beneficiary may require in-branch visit or phone assistance
IRA beneficiary changes may require completion of an IRA-specific beneficiary form through Cadence Wealth Management