How to name beneficiaries and fund a trust at Dime
Covers 7 deposit, 2 retirement, and 1 lending accounts — beneficiaries must be updated in-branch
Brand change
Dime Community Bank rebranded as Dime Commercial Bank following shareholder approval at the May 28, 2026 annual meeting; the parent renamed from Dime Community Bancshares, Inc. to Dime Commercial Bancshares, Inc. The stock listing moved to the NYSE (ticker DCOM) on or around April 7, 2026. This is a name change of the same New York State-chartered bank — account numbers, the routing number (021406667), branch network, and existing deposit and estate relationships are unaffected. Heirs settling an account opened under the "Dime Community Bank" name should reach the same institution at dime.com and 1-800-321-3463. Effective May 2026.
The procedures below reflect Dime's accounts. Account servicing may transfer as the change takes effect.
Customer Service
Phone1-800-321-3463
Emailsupport@dime.com
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
WebsiteLearn more→
Estate Services
Phone1-800-321-3463
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
WebsiteLearn more→
Death Claims
Phone1-800-321-3463
Emailsupport@dime.com
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
Verified Jul 2026
There are two ways to keep your Dime 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.
Each of Dime's 10 accounts has different rules for how it transfers at death. The sections below explain the options for each.
Aspire CheckingAspire Interest CheckingAspire 50 CheckingBasic CheckingAspire Statement SavingsMoney Market AccountCertificate of Deposit
1
Visit any Dime Community Bank branch (https://www.dime.com/branch-search) with a valid government-issued photo ID.
2
Request to add or update a Payable on Death (POD) beneficiary designation on your deposit account.
3
Provide beneficiary information:
- Full legal name of each beneficiary
- Beneficiary date of birth and Social Security number
- Relationship to account holder
- For trusts as beneficiary: trust name, date of trust, and trust EIN or grantor SSN
4
Sign the updated account documentation. The POD designation takes effect immediately upon completion.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designations are available on deposit accounts (checking, savings, CDs, money market).
- IRA beneficiary designations require a separate IRA Beneficiary Designation form.
- Beneficiaries have no rights to the account during the account holder's lifetime.
- No standalone downloadable beneficiary designation form is published on dime.com; designation is completed at a branch.
Sources
Data sourced from Dime primary sources (15 pages reviewed). How we research.
Download these Dime instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Dime primary sources. Bring it to the branch or keep it beside the phone.
Customer Service
Phone1-800-321-3463
Emailsupport@dime.com
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
WebsiteLearn more→
Estate Services
Phone1-800-321-3463
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
WebsiteLearn more→
Death Claims
Phone1-800-321-3463
Emailsupport@dime.com
Mailing Address
Dime Community Bank, 898 Veterans Memorial Highway, Suite 560, Hauppauge, NY 11788
Verified Jul 2026
Estate planning articles
Learn how to protect your Dime accounts and other assets with trusts, beneficiary designations, and estate planning documents.
