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
Phone1-800-513-7678
Internet Banking Specialist
Wealth Advisor (Investments)
Trust & Estate Planning
Mortgage Loan Advisor
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Trust & Estate Planning
Phone1-888-268-9202
Austin
Boerne
Bryan/College Station
Corpus Christi
Dallas
Fort Worth
Galveston
Houston
Permian Basin
Rio Grande Valley
San Antonio
San Marcos
Victoria
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Death Claims
Phone1-800-513-7678
Toll-Free1-800-513-7678
Mailing Address
Frost Bank, P.O. Box 34746, San Antonio, TX 78265
Verified Jul 2026
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.
Frost Personal AccountFrost Plus AccountFrost Premium AccountFrost Savings AccountFrost Money Market AccountFrost Certificate of Deposit
1
Visit a Frost financial center with government-issued ID
2
Request to add a P.O.D. (Payable on Death) beneficiary designation to your account
3
Complete the Uniform Single-Party or Multiple-Party Account Selection Form:
- Provide beneficiary name and identifying information
- Verify all listed beneficiaries are accurate
4
Receive 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
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.
Phone1-800-513-7678
Internet Banking Specialist
Wealth Advisor (Investments)
Trust & Estate Planning
Mortgage Loan Advisor
WebsiteLearn more→
Trust & Estate Planning
Phone1-888-268-9202
Austin
Boerne
Bryan/College Station
Corpus Christi
Dallas
Fort Worth
Galveston
Houston
Permian Basin
Rio Grande Valley
San Antonio
San Marcos
Victoria
WebsiteLearn more→
Death Claims
Phone1-800-513-7678
Toll-Free1-800-513-7678
Mailing Address
Frost Bank, P.O. Box 34746, San Antonio, TX 78265
Verified Jul 2026
Estate planning articles
Learn how to protect your Frost accounts and other assets with trusts, beneficiary designations, and estate planning documents.
