How to name beneficiaries and fund a trust at Frost
Covers 6 deposit, 5 investment, 4 retirement, and 3 lending accounts — beneficiaries must be updated in-branch
Trust & Estate Planning
Death Claims
Frost Bank, P.O. Box 34746, San Antonio, TX 78265
There are two ways to keep your Frost accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Across 18 product types, Frost accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
- Provide beneficiary name and identifying information
- Verify all listed beneficiaries are accurate
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
Sources
Data sourced from Frost primary sources (20 pages reviewed). How we research.
Download these Frost instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Frost primary sources. Bring it to the branch or keep it beside the phone.
Trust & Estate Planning
Death Claims
Frost Bank, P.O. Box 34746, San Antonio, TX 78265
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