How to name beneficiaries and fund a trust at CIBC US
Covers 11 deposit, and 2 retirement accounts — beneficiaries must be updated in-branch
C
Client Support Center
Phone877-448-6500
Telephone Banking (24/7)
CIBC Agility Online Support
Lost or Stolen Card
WebsiteLearn more→
POD Account Processing
Phone877-448-6500
Mailing Address
CIBC Bank USA, POD Account Processing, 6825 West 111th Street, Worth, IL 60482
WebsiteLearn more→
POD Account Processing
Phone877-448-6500
Mailing Address
CIBC Bank USA, POD Account Processing, 6825 West 111th Street, Worth, IL 60482
WebsiteNotify online→
Verified Jun 2026
Estate planning for your CIBC US 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.
Across 13 product types, CIBC US 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.
iCan CheckingmyChoice Prestige CheckingmyChoice Plus CheckingEasyPath AccessHSA CheckingPersonal Savings AccountPersonal Money Market AccountCIBC Agility Savings AccountCertificate of Deposit (CD)Jumbo Certificate of Deposit (CD)CIBC Agility Certificate of Deposit (CD)
1
Visit a CIBC Bank USA banking center with government-issued photo ID
2
Request the POD Beneficiary Designation form for your checking, savings, or CD account
3
Provide each beneficiary's information (up to six beneficiaries per form):
- Full name
- Date of birth
- Social Security Number (beneficiaries must be natural persons with a U.S. SSN)
- Phone number
4
All account owners must sign the form -- a designation must be signed by all owners to be valid
5
CIBC verifies the identity of all account owners and sends written confirmation once the designation is active
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD beneficiaries must be natural persons (individuals) with a U.S. Social Security Number -- organizations cannot be named via the standard POD form
- A maximum of six POD beneficiaries per account using one form
- All account owners must sign the form for the designation to be valid
- A separate POD beneficiary designation must be completed for each account
- POD ownership cannot be changed by will
C
Client Support Center
Phone877-448-6500
Telephone Banking (24/7)
CIBC Agility Online Support
Lost or Stolen Card
WebsiteLearn more→
POD Account Processing
Phone877-448-6500
Mailing Address
CIBC Bank USA, POD Account Processing, 6825 West 111th Street, Worth, IL 60482
WebsiteLearn more→
POD Account Processing
Phone877-448-6500
Mailing Address
CIBC Bank USA, POD Account Processing, 6825 West 111th Street, Worth, IL 60482
WebsiteNotify online→
Verified Jun 2026
Estate planning articles
Learn how to protect your CIBC US accounts and other assets with trusts, beneficiary designations, and estate planning documents.
