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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→F&M Bank→Preparing your estate

How to name beneficiaries and fund a trust at F&M Bank

Covers 4 deposit, and 1 retirement accounts — beneficiaries must be updated in-branch

F&M Bank

Bank · Regional

fmb.com→
F

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteLearn more→

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteLearn more→

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteNotify online→
Verified Jul 2026

The key to protecting your F&M Bank accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.

F&M Bank has 5 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.

Personal CheckingSavings AccountMoney Market AccountCertificate of Deposit
1
Visit a Farmers & Merchants Bank branch (main office: 302 Pine Avenue, Long Beach, CA 90802) to add a Payable on Death (POD) beneficiary to a deposit account
2
Provide each beneficiary's full legal name and identifying information
3
For IRAs, complete the beneficiary designation on the IRA agreement (separate from POD on deposit accounts)
4
Sign the POD designation with the bank to make it effective

Required Documents

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

Special Requirements

  • POD beneficiaries on deposit accounts and IRA beneficiary designations pass outside the will
SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • fmb.com
  • investors.fmb.com

Data sourced from F&M Bank primary sources (9 pages reviewed). How we research.

Download these F&M Bank instructions

Download instructions for the whole estate→

A 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.

F&M Bank

Bank · Regional

fmb.com→
F

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteLearn more→

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteLearn more→

F&M Client Care Center

Phone(562) 437-0011
Toll-Free(866) 437-0011
Mailing Address

Farmers & Merchants Bank of Long Beach, 302 Pine Avenue, Long Beach, CA 90802

WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your F&M Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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A revocable living trust skips probate, stays private, and takes 15 minutes.

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Estate planning articles

Learn how to protect your F&M Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Is this your situation?

Get a complete guide for your specific circumstances.

New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

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