How to name beneficiaries and fund a trust at Citizens Business Bank
Covers 8 deposit, 3 lending, 2 investment, and 1 retirement accounts — beneficiaries must be updated in-branch
C
CitizensTrust Wealth Management
Phone1-888-734-4222
Mailing Address
701 N Haven Avenue, Ontario, CA 91764
General Client Services
WebsiteLearn more→
Client Services
Phone1-888-228-2265
Toll-Free1-888-228-2265
Mailing Address
701 N Haven Avenue, Ontario, CA 91764
Verified Jul 2026
Preparing your Citizens Business Bank 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.
The transfer rules at Citizens Business Bank vary across 14 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Personal Checking55 CheckingInvestment CheckingPreferred Choice CheckingPersonal SavingsMoney MarketCertificate of Deposit (CD)CDARS (Certificate of Deposit Account Registry Service)
1
Visit a Citizens Business Bank Business Financial Center
2
Bring government-issued photo ID
3
Provide beneficiary details:
- Full legal name
- Date of birth
- Social Security number
- Address
- Relationship to account holder
4
Specify percentage allocation if naming multiple beneficiaries
5
Review and sign the beneficiary designation form with a banker
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary does not need to be present
- Named beneficiaries override your will
- For CitizensTrust investment accounts, contact your wealth management advisor
Sources
Data sourced from Citizens Business Bank primary sources (18 pages reviewed). How we research.
Download these Citizens Business Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Citizens Business Bank primary sources. Bring it to the branch or keep it beside the phone.
C
CitizensTrust Wealth Management
Phone1-888-734-4222
Mailing Address
701 N Haven Avenue, Ontario, CA 91764
General Client Services
WebsiteLearn more→
Client Services
Phone1-888-228-2265
Toll-Free1-888-228-2265
Mailing Address
701 N Haven Avenue, Ontario, CA 91764
Verified Jul 2026
Estate planning articles
Learn how to protect your Citizens Business Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
