FirstBank (Colorado)
Subsidiary of PNC Financial Services Group (acquisition completed January 5, 2026)
pnc.com/en/welcome/first-bank.htmlHow to name beneficiaries and fund a trust at FirstBank (Colorado)
Beneficiaries are managed in branch or by phone. Trust paperwork is taken in branch or by mail
FirstBank (Colorado) merged into PNC BankMerged, effective June 2026
FirstBank was acquired by PNC Financial Services Group (legal close January 5, 2026). All 95 branches in Colorado and Arizona reopened as PNC Bank branches on June 22, 2026; account and routing numbers changed at conversion, and estate matters are handled by PNC.
Estate planning for your FirstBank (Colorado) 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.
FirstBank (Colorado) has 14 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others pass through the estate if nothing is set up. Each is covered below.
Required Documents
- Government-issued photo ID (at a branch)
- Account number (for each account you want to designate)
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to the account owner
Required Documents
- Government-issued photo ID (for the trustee)
- Trust agreement pages (for a trust agreement). The first three pages, the section stating whether the trust is revocable or irrevocable, the signature pages, and any amendments
- Certification of trust (if used instead of the trust agreement). The full document
- Probated will, Letters Testamentary or court order (for a trust under will). A certified copy of the probated will, or Letters Testamentary plus the relevant will pages, or a court order describing the trust terms
- Grantor information. Name, address, date of birth, tax identification number, and date of death if applicable
- Existing account numbers (for the accounts being retitled)
- Letter identifying the accounts to be retitled (by mail)
Required Documents
- Government-issued photo ID (at a branch)
- Account number (for each account you want to designate)
- Beneficiary's full legal name
- Beneficiary's date of birth
- Beneficiary's Social Security number
- Beneficiary's relationship to the account owner
What FirstBank (Colorado) says about beneficiaries and trusts
Each section is FirstBank (Colorado)'s own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary3
- Payable-on-death account
PNC accepts accounts designated payable on death or in trust for another, "which automatically transfer your POD Account, upon your death, to the beneficiaries (POD Beneficiaries) designated on the signature card."1
The agreement states that "when you die the funds in a POD Account will not be part of your estate."1
- IRA
An IRA beneficiary designation is separate from a payable-on-death designation on a deposit account.2
- Health savings account
An HSA beneficiary designation is separate from a payable-on-death designation on a deposit account.2
What FirstBank (Colorado)'s agreement says about beneficiaries3
- A beneficiary who dies first
POD beneficiaries have a right of survivorship between themselves: if one POD beneficiary dies before the owner, the surviving POD beneficiary takes full ownership and the deceased beneficiary's heirs take nothing.2
- No beneficiary survives
If no POD beneficiary survives the last owner, the account is payable to the heirs, or the estate, of the last surviving owner.2
- Which state governs the account
PNC treats an account opened in person as located in the state where it was opened, so a legacy FirstBank account generally remains a Colorado or Arizona account for PNC's state rules on POD accounts.2
State requirements FirstBank (Colorado) statesFlorida, Missouri
- Florida
For accounts located in Florida, PNC states POD beneficiaries may only have equal shares.2
- Missouri
For accounts located in Missouri, PNC states the account is subject to the Missouri Nonprobate Transfers Law.2
What FirstBank (Colorado) says about trust accounts2
- Who signs for the trust
A revocable or irrevocable trust account can be opened by a trustee named in a trust agreement, and a trust under will account by a trustee named in the will.2
- The trust's tax identification number
PNC asks for a tax identification number for each grantor.2
Sources4
- 1.Account Agreement for Personal Accounts
- 2.PNC guidance for former FirstBank customers
- 3.PNC appointment scheduling
- 4.PNC Trust Account Services
Sources
(4)·
Data sourced from FirstBank (Colorado) primary sources (11 pages reviewed). How we research.
Download these FirstBank (Colorado) instructions
A printable PDF with the steps, required documents, and contact details, verified against FirstBank (Colorado) primary sources. Bring it to the branch or keep it beside the phone.
FirstBank (Colorado) estate support
PNC Estate and Decedent Processing (branch appointment)
Phone
Website
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