Estate planning at Heritage Bank
How to protect 8 Heritage Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Heritage Bank's CitizensTrust Wealth Management (trust administration, probate and probate avoidance, revocable living trusts)
Brand change
Heritage Bank of Commerce was merged into Citizens Business Bank on April 17, 2026. Former Heritage accounts, POD beneficiary designations, and trust account titles remain in effect under Citizens Business Bank; ongoing service is at (888) 228-2265. The heritagebankofcommerce.bank website now redirects to cbbank.com. Effective April 2026.
Heritage Bank is now part of Citizens Business Bank. The procedures below reflect Heritage Bank's accounts during the transition. View the Citizens Business Bank estate planning page.
Customer Service (Citizens Business Bank, servicing former Heritage Bank of Commerce accounts post-merger)
701 N Haven Ave, Ontario, CA 91764
CitizensTrust Wealth Management (trust administration, probate and probate avoidance, revocable living trusts)
701 N Haven Ave, Ontario, CA 91764
Death Claims / Estate Services (handled by Citizens Business Bank post-merger; no separate legacy Heritage claims line)
701 N Haven Ave, Ontario, CA 91764
Heritage Bank has 8 accounts, each with different rules for what happens when the account holder dies. Of those, 6 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 8 account types at Heritage Bank.
View details →When someone dies
Death claim process
Contact Heritage Bank's CitizensTrust Wealth Management (trust administration, probate and probate avoidance, revocable living trusts) to file a claim. 7-step process, 8 required documents, and contact information for survivors.
View details →Heritage Bank's CitizensTrust Wealth Management (trust administration, probate and probate avoidance, revocable living trusts) can answer questions about beneficiaries, trusts, or death claims at (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 (14 pages reviewed). How we research.
Customer Service (Citizens Business Bank, servicing former Heritage Bank of Commerce accounts post-merger)
701 N Haven Ave, Ontario, CA 91764
CitizensTrust Wealth Management (trust administration, probate and probate avoidance, revocable living trusts)
701 N Haven Ave, Ontario, CA 91764
Death Claims / Estate Services (handled by Citizens Business Bank post-merger; no separate legacy Heritage claims line)
701 N Haven Ave, Ontario, CA 91764
Estate planning articles
Learn how to protect your Heritage Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
