How to name beneficiaries and fund a trust at Cadence Bank
Covers 10 deposit, 3 retirement, and 2 lending accounts — beneficiaries can be managed online
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026
cadencebank.com→
Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services / Client Services
Remote Banking Team
TDD/TTY
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 Apr 2026
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.
Performance CheckingMy Way CheckingInterest Plus CheckingBudget Smart CheckingHeritage CheckingPerformance SavingsSelect SavingsMy Goal SavingsMoney Market SelectCertificate of Deposit
1
Log in to Cadence Online Banking
2
Navigate to account settings or beneficiary management
3
Select the account to add a POD beneficiary
4
Enter beneficiary details:
- Full legal name, date of birth, Social Security number, and relationship
- Allocate percentage if designating multiple beneficiaries
5
Review and confirm the beneficiary designation
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
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026
cadencebank.com→Phone1-888-797-7711
Mailing Address
2910 West Jackson Street, Tupelo, MS 38801
Deposit Services / Client Services
Remote Banking Team
TDD/TTY
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 Apr 2026
Estate planning articles
Learn how to protect your Cadence Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
