Preparing your Frost accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

With 18 product types, Frost 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.

Frost Personal AccountFrost Plus AccountFrost Premium AccountFrost Savings AccountFrost Money Market AccountFrost Certificate of Deposit

1Visit a Frost financial center with government-issued ID

2Request to add a P.O.D. (Payable on Death) beneficiary designation to your account

3Complete the Uniform Single-Party or Multiple-Party Account Selection Form

4Provide beneficiary name and identifying information

5Verify all listed beneficiaries are accurate

6Receive confirmation of beneficiary designation

Required Documents

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

Special Requirements

P.O.D. accounts pass directly to beneficiaries and are not part of the estate
Accounts without P.O.D. designation pass as part of the estate under the will or by intestacy
Trusts can be named as P.O.D. beneficiaries
Named beneficiaries override your will