Estate planning and settlement at Heritage Bank
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-888-228-2265
Heritage Bank merged into Citizens Business BankMerged, effective April 2026
Heritage Bank of Commerce was merged into Citizens Business Bank, National Association on April 17, 2026 — corroborated by FDIC BankFind, which shows Heritage's certificate 33905 closing on 04/17/2026 with successor certificate 21716. Former Heritage accounts, POD beneficiary designations, and trust account titles remain in effect under Citizens Business Bank; ongoing service is at (888) 228-2265, Mon-Fri 8:00 AM - 6:00 PM PT. Systems conversion followed on June 22, 2026, when Heritage products became Citizens Business Bank products and the routing number on every legacy account changed to 122234149; Citizens Business Bank published an HBC Personal Welcome Guide and an HBC Business Welcome Guide setting out the account-by-account conversion and stating that legacy Heritage accounts "are now governed by Citizens Business Bank's Disclosure Information and Agreement." Heritage Commerce Corp filed a Form 15-12G with the SEC on April 30, 2026 deregistering its common stock, so it is no longer an SEC reporting company. The heritagebankofcommerce.bank website 301-redirects to cbbank.com, and CBB runs a Heritage Bank of Commerce information center whose banner reads "Welcome, Heritage Bank of Commerce customers."
Heritage Bank has 10 accounts, each with different rules for what happens when the account holder dies. Of those, 8 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Heritage Bank lets account holders update beneficiary designations in branch and by phone, typically taking 15-30 minutes at a banking center. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Heritage Bank has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 10 account types at Heritage Bank.
Preparing your estate →Death claim process
Report the death to Heritage Bank's Death Claims / Estate Services at 1-888-228-2265. The page lists the steps and the documents to send.
When someone dies →Heritage Bank's CitizensTrust Wealth Management can answer questions about beneficiaries, trusts, or death claims at 1-888-734-4222.
Heritage Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Sources
Data sourced from Heritage Bank primary sources (15 pages reviewed). How we research.
Heritage Bank customer support
Customer Service (Citizens Business Bank, servicing former Heritage Bank of Commerce accounts post-merger)
Phone
Legacy Heritage Bank of Commerce line
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Heritage Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
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