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 Center
Phone1-877-693-4543
Retirement Plan Services
Personal Wealth Management
Citi Wealth (Wealth Builder)
WebsiteLearn more→
Estate Servicing Center
Phone1-877-693-4543
Toll-Free1-877-693-4543
Mailing Address
Citibank Retirement Plan Services, P.O. Box 769001, San Antonio, TX 78245-9951
WebsiteNotify online→
Verified May 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
Estate Servicing Center
Phone1-877-693-4543
Retirement Plan Services
Personal Wealth Management
Citi Wealth (Wealth Builder)
WebsiteLearn more→
Estate Servicing Center
Phone1-877-693-4543
Toll-Free1-877-693-4543
Mailing Address
Citibank Retirement Plan Services, P.O. Box 769001, San Antonio, TX 78245-9951
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Citibank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
