Estate planning at Citizens Bank
How to protect 18 Citizens Bank accounts — manage beneficiaries online, fund a trust in-branch, and file claims through Citizens Bank's Citizens Private Wealth / Estate Services
Customer Service
Phone1-800-922-9999
Citizens Access Online Accounts
IRA Questions
Checking, Savings, Money Market, CD Questions
Online Banking Support
WebsiteLearn more→
Citizens Private Wealth / Estate Services
Phone1-800-922-9999
Mailing Address
Citizens Bank Estate Services, PO Box 42001, Providence, RI 02940-9418
WebsiteLearn more→
Estate Services / Decedent Processing
Phone1-800-922-9999
Toll-Free1-800-922-9999
Mailing Address
Citizens Access, 1 Citizens Drive, Decedent Processing ROP 112, Riverside, RI 02915
Citizens Access Death Claims
Mortgage Loan Servicing
Home Equity Loan Servicing
Home Equity Loan Servicing (alt)
WebsiteNotify online→
Verified May 2026
Citizens Bank offers 18 consumer accounts that interact with estate planning in distinct ways. Of those, 16 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Citizens Bank lets account holders update beneficiary designations online, in branch, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Citizens Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 18 account types at Citizens Bank.
View details →When someone dies
Death claim process
Contact Citizens Bank's Citizens Private Wealth / Estate Services to file a claim. 6-step process, 5 required documents, and contact information for survivors.
View details →Citizens Bank's Citizens Private Wealth / Estate Services can answer questions about beneficiaries, trusts, or death claims at 1-800-922-9999.
Citizens Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Citizens Access has stricter trust account limits than Citizens Bank branch accounts: it supports a maximum of 2 trustees and 2 grantors per trust account, and all trustees must be the current account owners. Download the Certificate of Trust for Revocable Trust (or Irrevocable Trust) from citizensbank.com. For revocable trusts, the trust tax ID must be the SSN of a grantor who is also a trustee. All trustees must sign in the presence of a U.S. notary -- foreign notary or consular seals are not accepted. If your account has existing beneficiary allocations, call 1-888-201-6505 first to remove them. Mail the notarized form to Citizens Access, PO Box 71209, Philadelphia, PA 19176-6209.
Citizens Bank IRA beneficiary changes cannot be made through online banking -- they require the IRA Beneficiary Form completed with a Financial Advisor at a branch. For Representative Assisted Accounts, the completed form can be mailed to Citizens Securities, Inc., JCB135 PO Box 42033, Providence, RI 02940. The dedicated IRA Questions line is 1-800-948-7200 (separate from the main 1-800-922-9999 line).
Citizens Trust Company of Delaware is a separate subsidiary of Citizens Financial Group based in Newark, Delaware. Customers with significant trust planning needs can use it to access Delaware trust law features -- dynasty trusts, directed trusts, and asset protection trusts -- without moving primary banking out of Citizens Bank. Delaware imposes no state income tax on trusts with all out-of-state beneficiaries.
Sources
Data sourced from Citizens Bank primary sources (19 pages reviewed). How we research.
Customer Service
Phone1-800-922-9999
Citizens Access Online Accounts
IRA Questions
Checking, Savings, Money Market, CD Questions
Online Banking Support
WebsiteLearn more→
Citizens Private Wealth / Estate Services
Phone1-800-922-9999
Mailing Address
Citizens Bank Estate Services, PO Box 42001, Providence, RI 02940-9418
WebsiteLearn more→
Estate Services / Decedent Processing
Phone1-800-922-9999
Toll-Free1-800-922-9999
Mailing Address
Citizens Access, 1 Citizens Drive, Decedent Processing ROP 112, Riverside, RI 02915
Citizens Access Death Claims
Mortgage Loan Servicing
Home Equity Loan Servicing
Home Equity Loan Servicing (alt)
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Citizens Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
