How to name beneficiaries and fund a trust at F&M Bank
Covers 11 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Customer Service
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
Personal Banking Services
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
Personal Banking Services
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
There are two ways to keep your F&M Bank accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Across 15 product types, F&M Bank accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders in California (a community property state) may require spousal consent
Sources
Data sourced from F&M Bank primary sources (30 pages reviewed). How we research.
Download these F&M Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against F&M Bank primary sources. Bring it to the branch or keep it beside the phone.
Customer Service
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
Personal Banking Services
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
Personal Banking Services
Farmers & Merchants Bank, 302 Pine Avenue, Long Beach, CA 90802
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