How to name beneficiaries and fund a trust at EverBank
Covers 7 deposit, and 3 retirement accounts — beneficiaries can be managed online
Brand change
Operated as TIAA Bank (TIAA, FSB) from 2018 to 2023. TIAA completed the sale of the bank to an investor group led by Stone Point Capital and Warburg Pincus on July 31, 2023; the bank reverted to the EverBank name and now operates under a national bank charter as EverBank, N.A. This is the current active record. Effective August 2023.
The procedures below reflect EverBank's accounts. Account servicing may transfer as the change takes effect.
Personal Banking Client Support
EverBank, PO Box 44060, Jacksonville, FL 32231
Personal Banking Client Support
EverBank, PO Box 44060, Jacksonville, FL 32231
Personal Banking Client Support (no separate estate line is published; this line takes death notifications for EverBank and legacy TIAA Bank accounts)
EverBank, PO Box 44060, Jacksonville, FL 32231
Preparing your EverBank accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
With 10 product types, EverBank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
- Full name
- Social Security Number
- Date of birth
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- The deposit-account Manage Account Beneficiaries form cannot be used for IRAs or trust accounts
- IRA and World Markets beneficiaries must be set by the IRA form or by phone
- Naming a trust or organization as beneficiary requires calling 1-888-882-3837
- For joint accounts, a designation by one owner is valid even without the other owner's consent or knowledge
- Deposit POD beneficiaries share equally: the balance is paid in equal shares to each surviving beneficiary, without right of survivorship (Deposit Account Agreement 3.1.10.7)
- On an IRA, spousal consent (spouse signature plus a witness signature) applies in community and marital property states when a non-spouse beneficiary is named
- An IRA with no named beneficiary defaults to the owner's estate
- The account holder must be living when the form is submitted
Sources
Data sourced from EverBank primary sources (15 pages reviewed). How we research.
Download these EverBank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against EverBank primary sources. Bring it to the branch or keep it beside the phone.
Personal Banking Client Support
EverBank, PO Box 44060, Jacksonville, FL 32231
Personal Banking Client Support
EverBank, PO Box 44060, Jacksonville, FL 32231
Personal Banking Client Support (no separate estate line is published; this line takes death notifications for EverBank and legacy TIAA Bank accounts)
EverBank, PO Box 44060, Jacksonville, FL 32231
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