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Home→Financial Institutions→Discover→Preparing your estate

How to name beneficiaries and fund a trust at Discover

Covers 4 deposit, and 2 retirement accounts — beneficiaries can be managed online

OverviewPreparing your estateWhen someone dies

Discover

Subsidiary of Capital One Financial Corporation (merged May 2025)

discover.com→
Discover logo
Phone1-800-347-7000
Mailing Address

Discover, PO Box 30416, Salt Lake City, UT 84130-0416

Trust Account Setup
1-866-515-5283
Online Banking Technical Support
1-800-290-9885
International
1-801-451-3737
TTY/TDD
1-800-347-7454
WebsiteLearn more→

Trust Account Setup

Phone1-866-515-5283
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 for your Discover 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.

Discover offers 6 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.

Online Savings AccountCashback Debit CheckingMoney Market AccountCertificate of Deposit (CD)
1
Log in to your Discover account at bank.discover.com
2
Navigate to the Manage Beneficiaries section
3
Add or update beneficiaries for deposit accounts:
  • Add primary and contingent beneficiaries
  • Provide each beneficiary's full legal name, date of birth, and Social Security number
  • For trusts as beneficiary: provide trust name, date established, and EIN
4
Save changes; confirmation displays immediately
Online Portal→

Required Documents

  • Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

  • Discover Bank requires a valid SSN for each beneficiary added online
  • Primary and contingent beneficiaries allowed

Discover

Subsidiary of Capital One Financial Corporation (merged May 2025)

discover.com→
Discover logo
Phone1-800-347-7000
Mailing Address

Discover, PO Box 30416, Salt Lake City, UT 84130-0416

Trust Account Setup
1-866-515-5283
Online Banking Technical Support
1-800-290-9885
International
1-801-451-3737
TTY/TDD
1-800-347-7454
WebsiteLearn more→

Trust Account Setup

Phone1-866-515-5283
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.

Estate planning articles

Learn how to protect your Discover accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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