How to name beneficiaries and fund a trust at Commerce Bank
Covers 6 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Phone1-800-453-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
Spanish-Language Assistance
International / Outside U.S. (collect)
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2552
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone1-800-453-2265
Toll-Free1-800-453-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents
Verified Apr 2026
Estate planning for your Commerce Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
With 10 product types, Commerce Bank 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.
Commerce Free CheckingCommerce Interest CheckingCommerceRelationship CheckingmyRewards SavingsPremium Money MarketCertificate of Deposit
1
Visit any Commerce Bank branch location with a valid government-issued photo ID:
- Request to add or update POD (Payable on Death) beneficiary designations
- Provide beneficiary name, date of birth, Social Security number, and relationship
2
All account owners must agree to and sign the beneficiary designation
3
Receive a copy of the signed beneficiary form for your records
Special Requirements
- All account owners must agree to beneficiary designation changes
- For trust as beneficiary, provide full legal trust name, date of trust, and trustee information
- IRA beneficiary changes may require separate forms through Commerce Financial Advisors
Phone1-800-453-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
Spanish-Language Assistance
International / Outside U.S. (collect)
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2552
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone1-800-453-2265
Toll-Free1-800-453-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents
Verified Apr 2026
Estate planning articles
Learn how to protect your Commerce Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
