How to name beneficiaries and fund a trust at Huntington
Beneficiaries are managed in branch, by phone or by mail. Trust paperwork is taken in branch or by mail
The key to protecting your Huntington accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Across 15 product types, Huntington 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.
Beneficiary form at Huntington
POD designation form (for payable-on-death accounts) and IRA beneficiary designation form (for IRAs).
- Full legal name, date of birth, address, and relationship for each beneficiary
- Allocation percentages, if the shares are not to be equal
- For a trust as beneficiary: the trust name, the date it was established, and its EIN or the grantor's SSN
- Indiana residents: add "No LDPS" next to a lineal descendant's name if you do not want that beneficiary's share to pass to their own descendants
- Drop it at any Huntington branch, or
- Mail it to Huntington Customer Service Center, EA5C42, P.O. Box 1558, Columbus, OH 43216
- Full legal name, date of birth, SSN, address, and relationship for each beneficiary
- Allocation percentages where the shares are not equal
- Indiana residents: the "No LDPS" election, if you want it
Required Documents
- Government-issued photo ID (Naming a beneficiary at a branch)
- Each beneficiary's name, date of birth, address and relationship (Completing the designation form). Primary and contingent beneficiaries are both listed
- Each beneficiary's Social Security number (Requesting the form by mail)
- Allocation percentages (The shares are not to be equal)
- Trust name, date established, and EIN or grantor's SSN (A trust is named as beneficiary)
- A certification of trust, or the full trust agreement including the title page and the signature page
- The trust EIN, or the grantor's SSN for a grantor revocable trust
- The account title should name the trust and its date, for example "John Smith, Trustee of the John Smith Revocable Living Trust dated [date]"
- Allow 1-2 weeks for processing
- Fill in the trust name, the date established, the trustee information, and the EIN or grantor SSN
- Include a certification of trust or a copy of the full trust agreement
- Include copies of government-issued ID for every trustee
Required Documents
- Certification of trust or full trust agreement (Retitling an account into a trust). A certification of trust names the trust, its date, the trustees and their powers. A full agreement includes the title page and signature page
- Government-issued ID for all trustees (Retitling an account into a trust)
- Trust EIN, or the grantor's SSN for a revocable grantor trust (Retitling an account into a trust)
- New signature cards signed in the trustee capacity (Retitling an account into a trust)
- Full legal name, date of birth, address, and relationship for each beneficiary
- Allocation percentages, if the shares are not to be equal
- For a trust as beneficiary: the trust name, the date it was established, and its EIN or the grantor's SSN
- Indiana residents: add "No LDPS" next to a lineal descendant's name if you do not want that beneficiary's share to pass to their own descendants
- Drop it at any Huntington branch, or
- Mail it to Huntington Customer Service Center, EA5C42, P.O. Box 1558, Columbus, OH 43216
- Full legal name, date of birth, SSN, address, and relationship for each beneficiary
- Allocation percentages where the shares are not equal
- Indiana residents: the "No LDPS" election, if you want it
Required Documents
- Government-issued photo ID (Naming a beneficiary at a branch)
- Each beneficiary's name, date of birth, address and relationship (Completing the designation form). Primary and contingent beneficiaries are both listed
- Each beneficiary's Social Security number (Requesting the form by mail)
- Allocation percentages (The shares are not to be equal)
- Trust name, date established, and EIN or grantor's SSN (A trust is named as beneficiary)
What Huntington says about beneficiaries and trusts
Each section is Huntington's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary2
- Payable-on-death account
A deposit account takes the POD designation form.1
- IRA
A Money Market IRA or IRA CD takes the IRA beneficiary form, not the deposit POD form.1
Who can be named3
- A person
A beneficiary may be an individual.1
- A charity or nonprofit
A beneficiary may be a charity.1
- A trust
A beneficiary may be a trust.1
- A trust, IRAs
Naming a trust as IRA beneficiary uses the IRA's own beneficiary form, not the deposit POD form.1
How many beneficiaries, and how shares are split
- All accounts
Primary and contingent beneficiaries can both be named. If more than one beneficiary survives, Huntington pays them in equal shares unless its records say otherwise.1
Allocation percentages are entered on the form where the shares are not equal.1
What a designation takes to be effective
Beneficiary forms Huntington issues2
- POD designation form
For payable-on-death accounts. Sent by the institution on request.2
Return to
Mailing address: Huntington Customer Service Center, EA5C42, P.O. Box 1558, Columbus, OH 43216
- IRA beneficiary designation form
For IRAs. Sent by the institution on request.1
Return to
Mailing address: Huntington Customer Service Center, EA5C42, P.O. Box 1558, Columbus, OH 43216
What Huntington's agreement says about beneficiaries3
- What the owner keeps while living
A POD beneficiary has no rights to the account while any owner is alive.1
- Joint accounts
On a joint account, the POD beneficiary takes only after all joint owners have died.1
- Claims against the account
A pledge of the account to secure an obligation takes precedence over any beneficiary's interest.1
State requirements Huntington statesIndiana
- Indiana
Indiana accounts follow a per-stirpes default: the share of a lineal descendant beneficiary who predeceases the owner passes to that beneficiary's own lineal descendants, unless "No LDPS" is written next to the name on the designation form.1
"No LDPS" only affects lineal descendants. The share of a spouse, friend or nephew who predeceases the owner passes to the surviving original beneficiaries, and if none survive, to the estate.1
Which accounts a trust can hold3
- IRA
An IRA cannot be retitled to a trust.1
- Trust account
A formal trust account is one held by trustees under a written trust agreement, which is what a funded revocable living trust creates.1
- Payable-on-death account
An informal trust account (an "in trust for" or Totten trust, with no written trust agreement) behaves like a POD account: the beneficiaries have no rights while the trustee is alive.2
What Huntington says about trust accounts2
- Review of the trust document
The deposit agreement says Huntington "act[s] only as a custodian of the trust funds on deposit" and is "under no obligation to act as a trustee or to inquire as to the powers or duties of the trustee(s)."2
- Who signs for the trust
The deposit agreement names "a copy of the trust Agreement or other document (such as a certification of trust)" as what may be required "so that we can ensure appropriate authority of trustees."2
Accounts handled elsewhere1
- Huntington Private Bank
Trust administration and estate settlement with the bank as trustee3
Not in Huntington's published guidance2
- A beneficiary form to download
- An online way to name a beneficiary
Sources3
- 1.Huntington beneficiary and trust account guidance
- 2.Consumer Deposit Account Agreement, effective March 15, 2026
- 3.Huntington Private Bank contact page
Sources
Data sourced from Huntington primary sources (15 pages reviewed). How we research.
Download these Huntington instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Huntington primary sources. Bring it to the branch or keep it beside the phone.
Huntington estate support
Personal Trust and Estate Services (Huntington Private Bank)
Phone
General customer service (survivor notification intake)
Hours
Mailing address
Website
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