Estate planning at Discover
How to protect 6 Discover accounts — manage beneficiaries online, fund a trust by mail, and file claims through Discover's Trust Account Setup
Phone1-800-347-7000
Mailing Address
Discover, PO Box 30416, Salt Lake City, UT 84130-0416
Trust Account Setup
Online Banking Technical Support
International
TTY/TDD
WebsiteLearn more→
Beneficiary Care Team
Phone1-800-975-0162
Toll-Free1-800-975-0162
Fax1-224-813-5244
Mailing Address
Discover, PO Box 30394, Salt Lake City, UT 84130-0394
WebsiteNotify online→
Verified May 2026
Discover has 6 accounts, each with different rules for what happens when the account holder dies. Of those, 6 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Managing beneficiaries at Discover is straightforward—changes can be made online, by mail, and by phone, typically taking 10-15 minutes online; 2-3 weeks by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Discover 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 by mail, and review 6 account types at Discover.
View details →When someone dies
Death claim process
Contact Discover's Trust Account Setup to file a claim. 6-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Discover's Trust Account Setup at 1-866-515-5283.
Frequently asked questions
Download the Formal Trust Account Application and Trustee Certification form from discover.com/online-banking/forms-docs/. All trustee signatures must be notarized, and each trustee must complete a separate notary acknowledgment. Trust documents must permit co-trustees to act individually. Submit documents by uploading at discover.com/online-banking/secure-document-upload/ (select "Trust Application & Trust Certification Form"), or mail to Discover, PO Box 30416, Salt Lake City, UT 84130-0416. Discover reviews within 7 business days.
Without POD beneficiaries, your deposit accounts will go through probate and be distributed according to your will or, if you have no will, according to state intestacy laws. An estate representative will need to provide Letters Testamentary or Letters of Administration, and funds will be made payable to the Estate.
Sources
Data sourced from Discover primary sources (20 pages reviewed). How we research.
Phone1-800-347-7000
Mailing Address
Discover, PO Box 30416, Salt Lake City, UT 84130-0416
Trust Account Setup
Online Banking Technical Support
International
TTY/TDD
WebsiteLearn more→
Beneficiary Care Team
Phone1-800-975-0162
Toll-Free1-800-975-0162
Fax1-224-813-5244
Mailing Address
Discover, PO Box 30394, Salt Lake City, UT 84130-0394
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Discover accounts and other assets with trusts, beneficiary designations, and estate planning documents.
