How to name beneficiaries and fund a trust at Citibank
Covers 11 deposit, 3 retirement, 4 investment, and 2 lending accounts — beneficiaries can be managed online
Estate Servicing Unit
Phone1-833-956-0413
Bank IRA (Retirement Plan Services)
Mortgage / Home Equity estate line
Personal Loans / Lines of Credit
Investment Accounts estate line
Personal Wealth Management
WebsiteLearn more→
Estate Servicing Unit
Phone1-833-956-0413
Toll-Free1-833-956-0413
Bank IRA
Mortgage / Home Equity
Personal Loans / Lines of Credit
Investment Accounts
Personal Wealth Management (24/7)
WebsiteNotify online→
Verified Jul 2026
There are two ways to keep your Citibank 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.
With 20 product types, Citibank 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.
Citi Regular CheckingCiti Access AccountCiti Elevate Account PackageCiti Priority Account PackageCitigold® Account PackageCitigold® Private ClientCiti® Savings AccountCiti Accelerate SavingsCiti® Fixed Rate CDCiti® Step Up CDCiti® No Penalty CD
1
Log in to Citi Online or the Citi Mobile App
2
Navigate to your account settings and select the POD (Payable on Death) beneficiary option
3
Add primary beneficiaries with the following information:
- Full legal name, date of birth, relationship, and SSN
- Percentage allocations if designating multiple beneficiaries
4
For trusts as beneficiary: provide trust name, date established, and EIN
5
Review and confirm your beneficiary designations
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts, estates, charities, and organizations can be named as beneficiaries
- Beneficiary designation changes must be in writing and are not effective until received by Citibank
- Named beneficiaries override your will
Sources
Data sourced from Citibank primary sources (18 pages reviewed). How we research.
Download these Citibank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Citibank primary sources. Bring it to the branch or keep it beside the phone.
Estate Servicing Unit
Phone1-833-956-0413
Bank IRA (Retirement Plan Services)
Mortgage / Home Equity estate line
Personal Loans / Lines of Credit
Investment Accounts estate line
Personal Wealth Management
WebsiteLearn more→
Estate Servicing Unit
Phone1-833-956-0413
Toll-Free1-833-956-0413
Bank IRA
Mortgage / Home Equity
Personal Loans / Lines of Credit
Investment Accounts
Personal Wealth Management (24/7)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Citibank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
