How to name beneficiaries and fund a trust at CPB
Covers 13 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Customer Service Center
Phone1-808-544-0500
Mailing Address
Central Pacific Bank, P.O. Box 3590, Honolulu, HI 96811
Toll-Free
TTY/TDD
Infoline (Automated Banking)
Infoline Toll-Free
Mortgage Services
Japanese Speaking Assistance
Lost/Stolen Debit Card
Lost/Stolen Credit Card
WebsiteLearn more→
Customer Service / Trust and Asset Management
Phone1-808-544-0500
Mailing Address
Central Pacific Bank, P.O. Box 3590, Honolulu, HI 96811
Toll-Free
WebsiteNotify online→
Verified Apr 2026
Preparing your CPB 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 17 product types, CPB 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.
Shaka CheckingExceptional CheckingValue CheckingPersonal SavingsPersonal Super SavingsExceptional SavingsExceptional Super SavingsStarter SavingsMoney Market SavingsCertificate of Deposit (CD)Exceptional Preferred CDJumbo CDSmart Saver CD
1
Visit any Central Pacific Bank branch with a valid government-issued photo ID
2
Request to add or update beneficiary designations on your accounts
3
Provide beneficiary information:
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
4
Review and sign the updated account documentation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders may require spousal consent
Customer Service Center
Phone1-808-544-0500
Mailing Address
Central Pacific Bank, P.O. Box 3590, Honolulu, HI 96811
Toll-Free
TTY/TDD
Infoline (Automated Banking)
Infoline Toll-Free
Mortgage Services
Japanese Speaking Assistance
Lost/Stolen Debit Card
Lost/Stolen Credit Card
WebsiteLearn more→
Customer Service / Trust and Asset Management
Phone1-808-544-0500
Mailing Address
Central Pacific Bank, P.O. Box 3590, Honolulu, HI 96811
Toll-Free
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your CPB accounts and other assets with trusts, beneficiary designations, and estate planning documents.
