How to name beneficiaries and fund a trust at First National Bank
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch, by phone or by mail
The key to protecting your First National 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.
With 25 product types, First National Bank 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.
Beneficiary form at First National Bank
Beneficiary designation form and IRA beneficiary designation form (for IRAs).
- Full name
- Relationship
- Date of birth
- Social Security number
- Deposit and IRA accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Investment, brokerage and trust accounts: F.N.B. Wealth Management at 1-877-871-7680
- Any other department: the FNB department directory at 1-833-BANK-FNB (1-833-226-5362)
Required Documents
- Government-issued photo ID (at a branch). A non-expired ID: a driver's license, state-issued ID, military ID, passport, or Permanent Resident Card and visa
- Beneficiary's full name
- Beneficiary's relationship to the owner
- Beneficiary's date of birth
- Beneficiary's Social Security number
- The trust document or a Certification of Trust
- A non-expired government-issued photo ID for every trustee
- Trust name
- Trustee name(s)
- Tax Identification Number
- Trust, brokerage and managed accounts: F.N.B. Wealth Management at 1-877-871-7680
- Deposit accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Completed trust account forms and signature card
- A Certification of Trust, or the trust agreement pages naming the trust, grantor and trustees
- Copies of government-issued photo ID for every trustee
Required Documents
- Certification of Trust or trust agreement. FNB takes a Certification of Trust, or the full trust agreement with the pages identifying the trust name, grantor(s) and trustee(s)
- Trustee powers provisions of the trust agreement
- Signature and notarization pages of the trust
- Non-expired government-issued photo ID (for every trustee)
- Tax identification number for the trust
- Death certificate (for any grantor or trustee who has died)
- New signature card in the trust name
- Full name
- Relationship
- Date of birth
- Social Security number
- Deposit and IRA accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Investment, brokerage and trust accounts: F.N.B. Wealth Management at 1-877-871-7680
- Any other department: the FNB department directory at 1-833-BANK-FNB (1-833-226-5362)
Required Documents
- Government-issued photo ID (at a branch). A non-expired ID: a driver's license, state-issued ID, military ID, passport, or Permanent Resident Card and visa
- Beneficiary's full name
- Beneficiary's relationship to the owner
- Beneficiary's date of birth
- Beneficiary's Social Security number
- The trust document or a Certification of Trust
- A non-expired government-issued photo ID for every trustee
- Trust name
- Trustee name(s)
- Tax Identification Number
- Trust, brokerage and managed accounts: F.N.B. Wealth Management at 1-877-871-7680
- Deposit accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Completed trust account forms and signature card
- A Certification of Trust, or the trust agreement pages naming the trust, grantor and trustees
- Copies of government-issued photo ID for every trustee
Required Documents
- Certification of Trust or trust agreement. FNB takes a Certification of Trust, or the full trust agreement with the pages identifying the trust name, grantor(s) and trustee(s)
- Trustee powers provisions of the trust agreement
- Signature and notarization pages of the trust
- Non-expired government-issued photo ID (for every trustee)
- Tax identification number for the trust
- Death certificate (for any grantor or trustee who has died)
- New signature card in the trust name
- Full name
- Relationship
- Date of birth
- Social Security number
- Deposit and IRA accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Investment, brokerage and trust accounts: F.N.B. Wealth Management at 1-877-871-7680
- Any other department: the FNB department directory at 1-833-BANK-FNB (1-833-226-5362)
Required Documents
- Government-issued photo ID (at a branch). A non-expired ID: a driver's license, state-issued ID, military ID, passport, or Permanent Resident Card and visa
- Beneficiary's full name
- Beneficiary's relationship to the owner
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Full name
- Relationship
- Date of birth
- Social Security number
- Deposit and IRA accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Investment, brokerage and trust accounts: F.N.B. Wealth Management at 1-877-871-7680
- Any other department: the FNB department directory at 1-833-BANK-FNB (1-833-226-5362)
Required Documents
- Government-issued photo ID (at a branch). A non-expired ID: a driver's license, state-issued ID, military ID, passport, or Permanent Resident Card and visa
- Beneficiary's full name
- Beneficiary's relationship to the owner
- Beneficiary's date of birth
- Beneficiary's Social Security number
- The trust document or a Certification of Trust
- A non-expired government-issued photo ID for every trustee
- Trust name
- Trustee name(s)
- Tax Identification Number
- Trust, brokerage and managed accounts: F.N.B. Wealth Management at 1-877-871-7680
- Deposit accounts: FNB Customer Service at 1-800-555-5455 (Mon-Fri 8 AM-9 PM, Sat-Sun 8 AM-5 PM)
- Completed trust account forms and signature card
- A Certification of Trust, or the trust agreement pages naming the trust, grantor and trustees
- Copies of government-issued photo ID for every trustee
Required Documents
- Certification of Trust or trust agreement. FNB takes a Certification of Trust, or the full trust agreement with the pages identifying the trust name, grantor(s) and trustee(s)
- Trustee powers provisions of the trust agreement
- Signature and notarization pages of the trust
- Non-expired government-issued photo ID (for every trustee)
- Tax identification number for the trust
- Death certificate (for any grantor or trustee who has died)
- New signature card in the trust name
What First National Bank says about beneficiaries and trusts
Each section is First National Bank's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary2
- Payable-on-death account
Checking, savings, money market accounts and CDs take a POD designation, made at a branch.1
The Deposit Account Agreement calls this a Beneficiary Account, also known as a Payable on Death or Totten Trust account depending on the state.2
- IRA
An IRA CD or IRA Savings beneficiary is designated when the IRA is opened. It is changed by completing a new IRA beneficiary designation form, which supersedes the earlier one, not by a will.1
Who can be named3
- A trust, investment accounts
A trust can be named on an investment account. It is set up through F.N.B. Wealth Management rather than at a branch.1
- The estate, investment accounts
Naming an estate on an investment account goes through F.N.B. Wealth Management.1
- A charity or nonprofit, investment accounts
Naming a charity on an investment account goes through F.N.B. Wealth Management.1
What a designation takes to be effective
- Payable-on-death account
A deposit-account designation is normally completed by signing at a branch, because FNB documents its account changes on a signature card.2
Beneficiary forms First National Bank issues2
- Beneficiary designation form
Sent by the institution on request.3
- IRA beneficiary designation form
For IRAs. Provided at a branch.3
What First National Bank's agreement says about beneficiaries3
- Joint accounts
The Deposit Account Agreement presumes rights of survivorship on any consumer account with more than one owner unless state law provides otherwise. When an owner dies, that owner's interest passes to the surviving owners ahead of any beneficiary designation.2
- What the owner keeps while living
Under the agreement the beneficiary has no right to the funds while any owner is alive.2
- Changing or revoking a designation
An owner may change or remove a beneficiary at any time.2
Which accounts a trust can hold2
Trust account forms First National Bank issues1
- Trust account forms and signature card
Sent by the institution on request.1
Return to
Mailing address: First National Bank, 4140 East State Street, Hermitage, PA 16148
What First National Bank says about trust accounts2
- Which state governs the account
Under the agreement, a retitled deposit account is governed by the law of the state of the branch where it was opened. For an account opened online, it is the state of residence at opening if FNB has a branch there, and otherwise Pennsylvania.2
- When a designation takes effect
Under the agreement, a notice you give FNB is effective when FNB actually receives it.2
Accounts handled elsewhere2
- F.N.B. Wealth Management
Investment, brokerage and trust accounts; First National Trust Company can serve as corporate trustee1
Phone: 1-877-871-7680
Mailing address: 626 Washington Place, Pittsburgh, PA 15219
- F.N.B. Investment Services (Cetera Investment Services LLC)
Brokerage and managed accounts, including transfer on death registration and trust retitling5
Not in First National Bank's published guidance2
- An online way to name a beneficiary
- Certified-copy requirement for a death certificate
Sources5
- 1.Contact Us
- 2.Deposit Account Agreement
- 3.Beneficiary designation form
- 4.Account applications
- 5.F.N.B. Investment Services disclosure
Sources
Data sourced from First National Bank primary sources (18 pages reviewed). How we research.
Download these First National Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against First National Bank primary sources. Bring it to the branch or keep it beside the phone.
First National Bank estate support
F.N.B. Wealth Management (First National Trust Company and F.N.B. Investment Services)
Phone
Mailing address
Website
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