How to name beneficiaries and fund a trust at Capital One
Covers 6 deposit, and 4 retirement accounts — beneficiaries can be managed online
Phone1-800-655-2265
WebsiteLearn more→
Phone1-800-655-2265
WebsiteLearn more→
Estate Operations
Phone1-877-357-5659
Toll-Free1-877-357-5659
Fax1-855-786-2690
Mailing Address
Capital One, Attn: Bank By Mail - Bank Estate Operations, P.O. Box 85123, Richmond, VA 23285
WebsiteNotify online→
Verified Jul 2026
There are two ways to keep your Capital One accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Across 10 product types, Capital One accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
360 CheckingMONEY Teen Checking360 Performance SavingsKids Savings Account360 Money Market360 CD
1
Log in to Capital One online banking
2
Navigate to Account Services or Settings and select "Beneficiaries" or "Add POD Beneficiaries"
3
Add up to 10 individuals as POD beneficiaries
4
Provide each beneficiary's full name, Tax ID, date of birth, and US physical address
5
Confirm and save beneficiary designations
Special Requirements
- Up to 10 individuals can be named as POD beneficiaries per account
- IMPORTANT: Beneficiaries must be individuals -- trusts cannot be named as POD beneficiaries on deposit accounts
- Beneficiaries must have a valid Tax ID, date of birth, and US physical address
- Beneficiaries are only recognized if officially recorded before death
- Submitting a new POD form revokes all prior beneficiary designations for the listed accounts -- list all beneficiaries including existing ones
- Upon death of all owners, funds are distributed equally among then-living beneficiaries
- Account holder authorizing changes must be at least 18 years old
Sources
Data sourced from Capital One primary sources (17 pages reviewed). How we research.
Download these Capital One instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Capital One primary sources. Bring it to the branch or keep it beside the phone.
Phone1-800-655-2265
WebsiteLearn more→
Phone1-800-655-2265
WebsiteLearn more→
Estate Operations
Phone1-877-357-5659
Toll-Free1-877-357-5659
Fax1-855-786-2690
Mailing Address
Capital One, Attn: Bank By Mail - Bank Estate Operations, P.O. Box 85123, Richmond, VA 23285
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Capital One accounts and other assets with trusts, beneficiary designations, and estate planning documents.
