Estate planning at Frost
How to protect 18 Frost accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Frost's Trust & Estate Planning
Trust & Estate Planning
Phone1-888-268-9202
Austin
Dallas
Fort Worth
Houston
Permian Basin
Rio Grande Valley
San Antonio
WebsiteLearn more →
Death Claims
Phone1-800-513-7678
Toll-Free1-800-513-7678
Mailing Address
Frost Bank, P.O. Box 1600, San Antonio, TX 78296-1600
Verified Mar 2026
Frost offers 18 consumer accounts that interact with estate planning in distinct ways. Of those, 14 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Frost can be managed in branch and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Frost provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 18 account types at Frost.
View details →When someone dies
Death claim process
Contact Frost's Trust & Estate Planning to file a claim. 9-step process, 6 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Frost's Trust & Estate Planning at 1-888-268-9202.
Frost operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
For single-party accounts without a P.O.D. beneficiary designation, ownership passes as part of your estate under your will or, if you do not have a will, by Texas intestacy law. P.O.D. accounts pass directly to the named beneficiaries and are not part of the estate. Named beneficiaries override the terms of your will.
Visit a Frost financial center with your trust document or Certificate of Trust and government-issued ID for all trustees. You can also download the Change of Account Ownership Form from frostbank.com/forms and mail it to your local financial center. Frost will review the documentation and process the account conversion. Allow 1-2 weeks for processing.
No. IRA accounts cannot be retitled to a trust. However, you can name a trust as the beneficiary of your IRA. Consult a tax advisor before naming a trust as IRA beneficiary, as there are significant tax implications for trust beneficiaries under the SECURE Act distribution rules.
Frost offers comprehensive fiduciary services including trust and estate planning, trust administration, executor services, and investment management. Frost specializes in court appointed trusts for minors and incapacitated persons under Texas Property Code Section 142 and Texas Estates Code Section 1301. They also offer revocable trusts, irrevocable trusts, and charitable trusts.
A revocable trust can be changed or revoked at any point during your lifetime. It helps avoid probating a will, maintains privacy, and allows for asset management if you become incapable. An irrevocable trust cannot be changed or revoked once created; since the grantor gives up control over the assets, it can provide tax benefits.
Yes. Frost offers executor services as part of its comprehensive fiduciary services. Their team manages assets and navigates legal and tax matters, working in partnership with a network of experienced attorneys, accountants, and financial providers. Contact Frost Trust & Estate Planning at 1-888-268-9202 for more information.
Yes. Frost offers TrustReporter for personal accounts, which allows you to securely view, print, and download your investment and trust account information. Business clients can use Trust Online to review trust or asset management accounts.
Frost Family Legacy Services help families build wealth and protect their values and culture for generations. Services include family governance, business succession planning, trust administration, charitable giving through donor advised funds, and customized estate administration. Contact Frost at 1-888-268-9202 for family legacy planning.
Trust & Estate Planning
Phone1-888-268-9202
Austin
Dallas
Fort Worth
Houston
Permian Basin
Rio Grande Valley
San Antonio
WebsiteLearn more →
Death Claims
Phone1-800-513-7678
Toll-Free1-800-513-7678
Mailing Address
Frost Bank, P.O. Box 1600, San Antonio, TX 78296-1600
Verified Mar 2026
Estate planning resources for Frost customers
Tools and documents to help protect your Frost accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
Check Now
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
Compare Costs