How to name beneficiaries and fund a trust at Glacier Bancorp
Beneficiaries are managed in branch. Trust paperwork is taken in branch
There are two ways to keep your Glacier Bancorp 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.
Glacier Bancorp has 14 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
Beneficiary form at Glacier Bancorp
Pay-on-Death (POD) designation on the deposit account signature card (for payable-on-death accounts) and IRA Beneficiary Designation form (for IRAs).
- The division list and each division's main phone number are on the Privacy Notice
- The division roster is on the division information page
- Full legal name
- Date of birth
- Social Security number
- Primary or contingent designation
- Percentage allocation if naming multiple beneficiaries
Required Documents
- Beneficiary's full legal name (for each person you name)
- Beneficiary's date of birth (for each person you name)
- Beneficiary's Social Security number (for each person you name)
- Primary or contingent designation for each beneficiary
- Percentage allocation (if naming multiple beneficiaries)
- Certification of Trust or the full trust agreement
- Government-issued identification for every trustee who will sign
- A new signature card in the name of the trust, replacing the individual registration
- IRS Form W-9 carrying the trust EIN, or the grantor's Social Security number for a revocable living trust
Required Documents
- Certification of Trust or full trust agreement. Either is accepted
- Government-issued ID (for every trustee who will sign)
- Trust tax identification number. The trust's EIN, or the grantor's SSN for a revocable trust
- Completed IRS Form W-9
- New account signature card in the trust name (completed at the branch)
- The division list and each division's main phone number are on the Privacy Notice
- The division roster is on the division information page
- Full legal name
- Date of birth
- Social Security number
- Primary or contingent designation
- Percentage allocation if naming multiple beneficiaries
Required Documents
- Beneficiary's full legal name (for each person you name)
- Beneficiary's date of birth (for each person you name)
- Beneficiary's Social Security number (for each person you name)
- Primary or contingent designation for each beneficiary
- Percentage allocation (if naming multiple beneficiaries)
What Glacier Bancorp says about beneficiaries and trusts
Each section is Glacier Bancorp's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- IRA
Traditional, Roth and SEP IRAs take a beneficiary on a separate IRA beneficiary form. Updating the deposit-account POD designation does not update the IRA form, and updating the IRA form does not update the POD.1
How many beneficiaries, and how shares are split
- All accounts
Each beneficiary is designated primary or contingent, with a percentage allocation when more than one beneficiary is named.1
Beneficiary forms Glacier Bancorp issues2
- Pay-on-Death (POD) designation on the deposit account signature card
For payable-on-death accounts. Completed by the account owner, with the banker. Provided at a branch.1
- IRA Beneficiary Designation form
For IRAs. Completed by the account owner, with the banker. Provided at a branch.1
What Glacier Bancorp's agreement says about beneficiaries2
- A designation and a will
The account registration on the signature card, not the will, controls where a deposit balance goes. The registration options differ by state across the 18 divisions.2
- What the owner keeps while living
The person or persons who created a POD or trust account may change beneficiaries, change account types, or withdraw all or part of the funds at any time. A POD beneficiary has no rights while any owner is living.2
State requirements Glacier Bancorp statesArizona, Colorado, Nevada, Montana, Idaho, Utah, Washington, Wyoming, Texas
- Arizona
Arizona accounts use Single-Party Account, Multiple-Party Account, Multiple-Party Account With Right of Survivorship, Multiple-Party Account Without Right of Survivorship, Single-Party Account With Pay-on-Death Designation, and Multiple-Party Account With Right of Survivorship and Pay-on-Death Designation.2
- Colorado
Colorado accounts use Single-Party Account, Multiple-Party Account, Multiple-Party Account With Right of Survivorship, Multiple-Party Account Without Right of Survivorship, Single-Party Account With Pay-on-Death Designation, and Multiple-Party Account With Right of Survivorship and Pay-on-Death Designation.2
- Nevada
Nevada accounts use Single-Party Account, Multiple-Party Account, Multiple-Party Account With Right of Survivorship, Multiple-Party Account Without Right of Survivorship, Single-Party Account With Pay-on-Death Designation, and Multiple-Party Account With Right of Survivorship and Pay-on-Death Designation.2
- Montana
Montana accounts use Single-Party Account, Multiple-Party Account, Multiple-Party Account With Right of Survivorship, Multiple-Party Account Without Right of Survivorship, Single-Party Account With Pay-on-Death Designation, and Multiple-Party Account With Right of Survivorship and Pay-on-Death Designation.2
- Idaho
Idaho accounts use Individual Account; Joint Account - With Survivorship (And Not As Tenants In Common or Community Property); Joint Account - No Survivorship; Community Property Account - No Survivorship; and Trust Account or Pay-On-Death Account.2
- Utah
Utah accounts use Individual or Single Account; Joint Account - With Survivorship (And Not As Tenants In Common); Joint Account - No Survivorship; and Trust Account or Pay-On-Death Account.2
- Washington
Washington accounts use Individual or Single Account; Joint Account - With Survivorship (And Not As Tenants In Common); Joint Account - No Survivorship; Trust Account or Pay-On-Death Account; and a Community Property Account.2
- Wyoming
Wyoming has its own labels: Joint Account - With Survivorship (And Not as a Tenancy by the Entirety or as Tenants In Common), Joint Account - As Spouses in a Tenancy by the Entirety, and Revocable Trust or Pay-On-Death Account.2
- Texas
Texas accounts receive the statutory Uniform Single-Party or Multiple-Party Account Selection Form Notice, which opens with the warning that "Your will may not control the disposition of funds held in some of the following accounts."2
Which accounts a trust can hold3
- Trust account
Checking, savings, money market accounts and CDs can be retitled into a revocable living trust at any division branch.1
- IRA
An IRA cannot be retitled to a trust, though a trust can be named as beneficiary.1
- Coverdell education savings account
The Coverdell ESA cannot be retitled to a trust.1
What Glacier Bancorp says about trust accounts1
- Claims against the account
The deposit agreement provides that an account identified as a fiduciary account "is not subject to our right of setoff and is not subject to execution, levy, or garnishment against the fiduciary."2
Not in Glacier Bancorp's published guidance2
- A beneficiary form to download
- Downloadable trust certification form
Sources2
- 1.Glacier Bank (document not named)
- 2.Terms and Conditions of Your Account
Sources
Data sourced from Glacier Bancorp primary sources (15 pages reviewed). How we research.
Download these Glacier Bancorp instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Glacier Bancorp primary sources. Bring it to the branch or keep it beside the phone.
Glacier Bancorp estate support
Customer Service
Phone
Toll-free
Telephone Banking (Glacier Bank division)
After-Hours Debit Card and Online Banking Support
Mailing address
Website
Estate requests go through general customer service.
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