Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
huntington.com/landing-pages/cadencebankHow to name beneficiaries and fund a trust at Cadence Bank
Beneficiaries are managed in branch, by phone or by mail. Trust paperwork is taken in branch, by phone or by mail
Cadence Bank merged into HuntingtonMerged, effective June 2026
Huntington Bancshares closed its merger with Cadence Bank on February 2, 2026 and completed the systems conversion and rebrand that June. Cadence branches closed Thursday, June 18, 2026 and reopened as Huntington Bank branches on Monday, June 22, 2026; Cadence online and mobile banking ended and accounts now live in Huntington Online Banking. Deposit and loan accounts received new Huntington account and routing numbers (most mortgages transitioned earlier, on May 30, 2026), though former Cadence numbers still work through the rest of 2026 for deposits and automatic payments. cadencebank.com no longer serves content. Use Huntington channels for account, beneficiary and estate matters on a legacy Cadence deposit or loan account: (888) 797-7711 for former Cadence customers, or (800) 480-2265 general customer service. Cadence Asset Management & Trust investment and trust accounts did not change and are still reached through that team and its Client Point portal.
Estate planning for your Cadence Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
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.
Beneficiary form at Cadence Bank
Payable on Death (POD) beneficiary designation form (for payable-on-death accounts) and IRA beneficiary designation form (for IRAs).
- To change beneficiaries in an existing POD agreement, all account owners must sign the form Huntington provides
- The exception is a Joint with Rights of Survivorship account: any joint owner may change the POD designation, even after the death of another joint owner
- To name a trust, bring the trust name, the date it was established, and its EIN (a revocable trust may use the grantor's Social Security number)
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's address
- Beneficiary's relationship to the owner
- Allocation percentages (when naming more than one beneficiary)
- Trust name, date established and EIN (when naming a trust). A revocable trust may use the grantor's Social Security number
- Valid government-issued photo ID (at a branch)
- A certification of trust, or a copy of the written trust agreement, so the bank can confirm the trustees' authority
- The trust EIN or the grantor's Social Security number
- Any amendments that change the trustees or their powers
- They can confirm the document checklist and the converted account number
- They cannot take the trustee signatures; retitling is completed in a branch or by returning signed paperwork
- A certification of trust, or the trust agreement
- Copies of government-issued photo ID for every trustee
- Any amendments affecting the trustees or their powers
Required Documents
- Certification of trust. Also called a trust abstract or affidavit of trust
- Copy of the trust agreement (if there is no certification of trust). The full written agreement, or at minimum the pages showing the trust name, grantors, trustees and trustee powers
- Title page and signature page of the trust agreement
- Government-issued photo ID (for every trustee; copies when mailing)
- Trust EIN. Or the grantor's Social Security number for a revocable trust
- Any amendments to the trust agreement
- New signature card for the retitled account
- The converted Huntington account number. Former Cadence numbers still resolve through the rest of 2026 but are not the account of record
- To change beneficiaries in an existing POD agreement, all account owners must sign the form Huntington provides
- The exception is a Joint with Rights of Survivorship account: any joint owner may change the POD designation, even after the death of another joint owner
- To name a trust, bring the trust name, the date it was established, and its EIN (a revocable trust may use the grantor's Social Security number)
Required Documents
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's address
- Beneficiary's relationship to the owner
- Allocation percentages (when naming more than one beneficiary)
- Trust name, date established and EIN (when naming a trust). A revocable trust may use the grantor's Social Security number
- Valid government-issued photo ID (at a branch)
What Cadence Bank says about beneficiaries and trusts
Each section is Cadence Bank's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- Payable-on-death account
Deposit accounts (checking, savings, money market and CDs) take a payable-on-death beneficiary on the POD beneficiary designation form.1
Huntington does not accept a POD beneficiary change through online banking. The form is returned in a branch or by mail.1
Who can be named1
- A trust
A trust can be named as a beneficiary, giving its name, the date it was established and its EIN.1
How many beneficiaries, and how shares are split
- Payable-on-death account
POD funds are paid in equal shares unless the designation says otherwise. Allocation percentages are given when more than one beneficiary is named.1
- IRA
The IRA beneficiary designation form has primary and contingent sections and takes an allocation percentage for each beneficiary.1
What a designation takes to be effective
- Payable-on-death account
All account owners must sign to change beneficiaries in an existing POD agreement.1
- Joint account with survivorship
On a joint account with rights of survivorship, any one joint owner may change the POD designation, even after another joint owner has died.1
- IRA
An IRA beneficiary change may require spousal consent when a married owner names a beneficiary other than the spouse.1
Beneficiary forms Cadence Bank issues2
- Payable on Death (POD) beneficiary designation form
For payable-on-death accounts. Completed by every account owner. Sent by the institution on request.2
Return to
Mailing address: The Huntington National Bank, Attention: Customer Service, P.O. Box 1558, Columbus, Ohio 43216
- IRA beneficiary designation form
For IRAs. Sent by the institution on request.1
Return to
Mailing address: The Huntington National Bank, Attention: Customer Service, P.O. Box 1558, Columbus, Ohio 43216
What Cadence Bank's agreement says about beneficiaries4
- A beneficiary who dies first
POD funds are paid only to designated beneficiaries who are then living, so a designation naming only a beneficiary who dies before the owner leaves the balance to the estate.1
- Claims against the account
A pledge of the account to secure an obligation takes precedence over any beneficiary's interest.1
Huntington may first deduct any amount the account owner owes it before paying a POD beneficiary.1
- A designation and a will
Beneficiary designations override instructions in a will.1
- What the owner keeps while living
On an informal "in trust for" (Totten trust) account with no written agreement, the beneficiaries have no rights while the trustee is alive. At the trustee's death, Huntington transfers the account to the beneficiaries named on the signature card or in its records.2
Which accounts a trust can hold2
- Trust account
Both revocable and irrevocable trusts are accepted.1
- IRA
An IRA cannot be retitled to a trust. It takes a beneficiary designation instead.1
Trust account forms Cadence Bank issues1
- Trust account paperwork for the converted account
Sent by the institution on request.1
Return to
Mailing address: The Huntington National Bank, Attention: Customer Service, P.O. Box 1558, Columbus, Ohio 43216
What Cadence Bank says about trust accounts4
- Whether a new account is opened
A converted former Cadence account can be retitled into the trust name, or a new account can be opened titled to the trust.1
- Review of the trust document
On a formal trust account, held by trustees under a written trust agreement, Huntington "act[s] only as a custodian of the trust funds on deposit ... and [is] under no obligation to act as a trustee or to inquire as to the powers or duties of the trustee(s)."2
- Who signs for the trust
Trustee signatures cannot be taken by phone. Retitling is completed in a branch or by returning signed paperwork.1
- Automatic payments and direct deposits
Huntington money market accounts cannot be used with Bill Pay, including a money market account held by a trust.1
Accounts handled elsewhere1
- Cadence Asset Management & Trust
Beneficiary changes and trust retitling on Cadence Asset Management & Trust investment and trust accounts1
Not in Cadence Bank's published guidance1
- A beneficiary form to download
Sources2
- 1.Huntington guidance for former Cadence Bank customers
- 2.Huntington Consumer Deposit Account Agreement
Sources
Data sourced from Cadence Bank primary sources (13 pages reviewed). How we research.
Download these Cadence Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Cadence Bank primary sources. Bring it to the branch or keep it beside the phone.
Cadence Bank estate support
Trusts and Estates (Huntington Private Bank)
Phone
Former Cadence customers
Hours
Mailing address
Website
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