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 / Documentation Specialists
Brand change
Discover Bank merged into Capital One, N.A. on May 18, 2025 and now operates as Discover, a division of Capital One, N.A. Existing Discover deposit accounts continue to be serviced under the Discover brand and are winding down: no new Discover-branded deposit accounts are opened as of January 2026, savings accounts are transitioning to Capital One 360 Performance Savings, and full consolidation is expected around 2027-2028. Discover-branded account estate claims are handled by the Discover Beneficiary Care Team; any Capital One product held by the same decedent is settled separately by Capital One's Estates Servicing Team. Effective May 2025.
Discover is now part of Capital One. The procedures below reflect Discover's accounts during the transition. View the Capital One estate planning page.
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→
Trust Account Setup / Documentation Specialists
Phone1-866-515-5283
Fax1-224-813-5189
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
Capital One Estates Servicing Team (for linked Capital One products)
WebsiteNotify online→
Verified Jul 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 / Documentation Specialists to file a claim. 6-step process, 9 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Discover's Trust Account Setup / Documentation Specialists at 1-866-515-5283.
Frequently asked questions
Download the Formal Trust Account Application and the Trustee Certification form (https://www.discover.com/content/dam/dfs/online-banking/documents/TrustCertForm.pdf) from discover.com/online-banking/forms-docs/. All trustee signatures must be notarized in blue or black ink, and each trustee must complete a separate notary acknowledgment; successor trustees do not sign at setup. The trust must authorize each trustee to act individually. Discover relies only on the representations in the Trustee Certification and does not review the underlying trust document. Submit documents by uploading at discover.com/online-banking/secure-document-upload/ (select "Trust Application & Trust Certification Form"), faxing the Documentation Specialists at 1-224-813-5189, or mailing to Discover, PO Box 30416, Salt Lake City, UT 84130-0416. Discover reviews within 7 business days.
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→
Trust Account Setup / Documentation Specialists
Phone1-866-515-5283
Fax1-224-813-5189
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
Capital One Estates Servicing Team (for linked Capital One products)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Discover accounts and other assets with trusts, beneficiary designations, and estate planning documents.
