How to name beneficiaries and fund a trust at Cadence Bank
Covers 10 deposit, 3 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Brand change
Huntington Bancshares completed its merger with Cadence Bank on February 2, 2026, and finished the systems conversion and rebrand in June 2026. Former Cadence branches closed June 18 and reopened as Huntington Bank branches on June 22, 2026; Cadence online and mobile banking ended June 19, 2026, and accounts now live in Huntington Online Banking. Deposit accounts converted June 22-24, 2026 with new Huntington account and routing numbers, though former Cadence numbers still work through the rest of 2026 for deposits and auto payments. Cadence Bank is now Huntington Bank -- use Huntington channels for account, beneficiary, and estate matters. Effective June 2026.
Cadence Bank is now part of Huntington. The procedures below reflect Cadence Bank's accounts during the transition. View the Huntington estate planning page.
Cadence Bank
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
cadencebank.com→
Huntington Bank Customer Service (formerly Cadence Bank)
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
Huntington Personal Trust and Estate Services (successor to Cadence Asset Management & Trust)
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
Huntington Death Claims (formerly Cadence Bank)
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
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.
- All account owners must sign the POD form (per the Huntington Consumer Deposit Account Agreement)
- To name a trust as beneficiary, provide the trust name, date established, and EIN
- Request a copy for your records
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- All account owners must sign the POD form to change beneficiaries
- IRA beneficiary changes may require spousal consent when naming a non-spouse beneficiary
- Beneficiary designations override instructions in a will
Sources
Data sourced from Cadence Bank primary sources (32 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
Subsidiary of Huntington Bancshares Incorporated (NASDAQ: HBAN) -- merger closed February 2, 2026; Cadence rebranded to Huntington Bank June 22, 2026
cadencebank.com→Huntington Bank Customer Service (formerly Cadence Bank)
Huntington National Bank, PO Box 1558, Columbus, OH 43272-4195
Huntington Personal Trust and Estate Services (successor to Cadence Asset Management & Trust)
Huntington National Bank, Attn: Transfer Desk, 7 Easton Oval, EA4E77, Columbus, OH 43219
Huntington Death Claims (formerly Cadence Bank)
Huntington Customer Service Center (EA5C42), P.O. Box 1558, Columbus, OH 43216
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