How to name beneficiaries and fund a trust at HomeStreet
Covers 8 deposit, 1 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
HomeStreet
Subsidiary of Mechanics Bancorp (HomeStreet Bank merged into Mechanics Bank, 2025-09-02)
homestreet.com→
Phone1-800-719-8080
Mailing Address
HomeStreet Bank, 601 Union Street, Suite 2000, Seattle, WA 98101
WebsiteLearn more→
HomeStreet Bank Estate Services
Phone1-800-719-8080
Mailing Address
HomeStreet Bank, 601 Union Street, Suite 2000, Seattle, WA 98101
WebsiteNotify online→
Verified May 2026
There are two ways to keep your HomeStreet 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 11 product types, HomeStreet 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.
Free CheckingInterest CheckingBank On CheckingStudent CheckingPersonal SavingsPersonal Money MarketPersonal Money Market SpecialCustom Term CD
1
Visit any HomeStreet Bank branch with a valid government-issued photo ID
2
Request to add or update beneficiary designations on your accounts
3
Provide beneficiary information:
- For deposit accounts: request POD (Payable on Death) designation with beneficiary full legal name, date of birth, Social Security number, and relationship
- For IRA accounts: complete the IRA Beneficiary Designation form with primary and contingent beneficiary sections
4
Review and sign the updated account documentation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require a copy of the Certification of Trust
- IRA beneficiary changes for married account holders in community property states (WA, CA) may require spousal consent
HomeStreet
Subsidiary of Mechanics Bancorp (HomeStreet Bank merged into Mechanics Bank, 2025-09-02)
homestreet.com→Phone1-800-719-8080
Mailing Address
HomeStreet Bank, 601 Union Street, Suite 2000, Seattle, WA 98101
WebsiteLearn more→
HomeStreet Bank Estate Services
Phone1-800-719-8080
Mailing Address
HomeStreet Bank, 601 Union Street, Suite 2000, Seattle, WA 98101
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your HomeStreet accounts and other assets with trusts, beneficiary designations, and estate planning documents.
