Estate planning and settlement at Discover
Name beneficiaries online, fund a trust by phone, and report a death at 1-800-975-0162
Discover is now part of Capital OneAcquired, effective May 2025
Discover Bank merged into Capital One, N.A. on May 18, 2025 and now trades as "Discover, a division of Capital One, N.A." Re-verified 2026-09-11: the Discover brand is still SERVICED, not absorbed, for estate purposes. Discover.com still publishes its own Deposit Account Agreement (rev BK.DBATAGT.L.0126, (c)2026, with change notices effective May 17, 2026 and October 8, 2026), its own Forms and Documents feed, its own Secure Document Upload portal, and its own Beneficiary Care Team at 1-800-975-0162 -- and capitalone.com/help-center/discover-faqs/ tells Discover customers "For Discover accounts, please continue to contact Discover." What HAS gone is new business: every discover.com deposit product and application page 301-redirects to capitalone.com, and bank.discover.com/ now 301s to www.discover.com/online-banking/. Deposits became jointly FDIC-insured with Capital One on November 18, 2025, and savings accounts are migrating to Capital One 360 Performance Savings on a rolling per-customer schedule (same account number, new routing number, notice sent by email or letter before the move). So an executor today may find the decedent held a still-Discover account, an already-migrated Capital One 360 account, or both. Routing splits accordingly: Discover-branded deposit accounts to the Discover Beneficiary Care Team (1-800-975-0162), any Capital One product to Capital One's Estates Servicing Team (1-877-357-5659), and a Discover credit card to Discover's Deceased Account Services Specialists (1-800-347-5519).
Discover has 7 accounts, each with different rules for what happens when the account holder dies. Of those, 4 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.
Beneficiary designations at Discover can be managed online, by phone, and 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.
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 7 account types at Discover.
Preparing your estate →Death claim process
Report the death to Discover's Beneficiary Care Team at 1-800-975-0162. The page lists the steps and the documents to send.
When someone dies →For questions about any of these procedures, contact Discover's Documentation Specialists at 1-866-515-5283.
Sources
Data sourced from Discover primary sources (15 pages reviewed). How we research.
Discover customer support
Discover Bank by phone (deposit accounts)
Phone
Documentation Specialists
Online Banking Technical Support
Account Agreement questions
Identity Verification
Inactive Accounts
IRA beneficiary designation form questions
Report phishing and fraudulent activity
Discover Student Deposits Program
For calls outside the U.S.
Discover Card customer service (1-800-DISCOVER)
Discover Card customer service (outside U.S.)
Mailing address
Website
Estate planning articles
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