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City National Bank of Florida

Subsidiary of Banco de Crédito e Inversiones (Bci)

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What happens to your City National Bank of Florida accounts when you die

No beneficiary or trust option on any account, so they pass through the estate

City National Bank of Florida does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All City National Bank of Florida accounts pass through the estate at death and may require probate.

When an account holder dies, the executor or administrator will need to contact City National Bank of Florida with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.

City National Bank of Florida does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.

Why trust accounts are not available

City National Bank of Florida does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.

Regular CheckingInterest CheckingSpecial CheckingCNB @ Work CheckingCNB @ School CheckingSelect PackageRegular SavingsYouth SavingsMoney Market Deposit AccountMoney Market Gold Deposit AccountCertificate of DepositPrivate Interest CheckingPrivate Money Market Deposit Account

Regular Checking

Non-interest checking with unlimited check writing and free electronic statements.

Interest Checking

Interest-bearing checking at a variable rate, with a $0.35 charge per check.

Special Checking

Low-balance checking with up to seven checks paid per statement cycle and $0.75 for each check over that.

CNB @ Work Checking

Offered to employees of City National Bank of Florida's commercial clients and to residents of participating homeowners associations that bank with it.

CNB @ School Checking

Offered to students and employees of educational institutions that are commercial clients of the bank.

Select Package

A relationship package that combines checking, savings, money market, certificate and IRA balances to avoid maintenance fees, with free checks, free cashier's checks and preferred CD rates.

Regular Savings

Variable-rate savings; withdrawals and transfers over six per statement cycle cost $5 each.

Youth Savings

Takes the Regular Savings terms when the minor turns 18, or 25 for an account opened under the Florida Uniform Transfers to Minors Act.

Money Market Deposit Account

Variable-rate money market with six withdrawals or transfers per statement cycle and $10 for each one over that. The money market page shows a $1,000 opening minimum; the fee schedule shows $3,500.

Money Market Gold Deposit Account

Tiered-rate money market with four balance tiers starting at $50,000, $100,000 and $250,000.

Certificate of Deposit

Fixed-rate certificates that renew automatically unless the account's disclosure says otherwise. The fee disclosure states the bank honors an early withdrawal without a penalty on the owner's death.

Private Interest Checking

Interest checking for City National Private clients, with complimentary checks, official checks and a small safe deposit box subject to availability.

Private Money Market Deposit Account

A personal money market for City National Private clients with no monthly maintenance fee or minimum balance requirement.

Sources

(2)·

Data sourced from City National Bank of Florida primary sources (12 pages reviewed). How we research.

City National Bank of Florida estate support

Wealth Management & Trust Services

Verified Oct 2026

Estate planning articles

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