Estate planning at IBC Bank
How to protect 16 IBC Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through IBC Bank's IBC Investment Services (Estate Planning)
Online Banking Support
Phone(210) 841-3000
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
IBC Laredo (Main HQ)
Debit Card Fraud
Fraud and Code of Ethics Hotline
WebsiteLearn more→
IBC Investment Services (Estate Planning)
Phone(956) 722-7611
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
WebsiteLearn more→
Death Claims (handled at local branch level)
Phone(210) 841-3000
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
Verified Apr 2026
IBC Bank offers 16 consumer accounts that interact with estate planning in distinct ways. Of those, 12 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Account holders can update their beneficiary designations at IBC Bank in branch. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at IBC Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 16 account types at IBC Bank.
View details →When someone dies
Death claim process
Contact IBC Bank's IBC Investment Services (Estate Planning) to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →Reach IBC Bank's IBC Investment Services (Estate Planning) at (956) 722-7611 for help with any of these procedures.
IBC Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes. IBC Bank allows deposit accounts -- checking, savings, money market, and CDs -- to be retitled to a revocable living trust. You must visit your local IBC Bank branch with your full trust agreement or a Certification of Trust, the trust tax ID (for revocable trusts this is typically your Social Security number), and government-issued photo ID for each trustee. IBC Bank does not offer an online or mail-in process for trust retitling.
Yes. IBC Bank IRAs (Traditional, Roth) can name a trust as beneficiary, but the IRA itself cannot be retitled to a trust. Naming a trust as IRA beneficiary may be appropriate if beneficiaries are minors, have special needs, or you want to control the distribution schedule through trust terms. Trust-as-IRA-beneficiary arrangements carry complex IRS rules under the SECURE Act; consult a qualified estate planning attorney before making this designation. IRA beneficiary changes must be made at an IBC Bank branch.
IBC Bank charges a minimum annual fee of $3,000 for trust service and escrow/agency accounts, per its published Schedule of Fees and Charges. This fee applies to trust administration services managed through IBC Bank. Estate planning consultation and investment advisory services are offered separately through IBC Investment Services (ibcinvestments.com), which uses LPL Financial as its broker-dealer.
Sources
Data sourced from IBC Bank primary sources (31 pages reviewed). How we research.
Online Banking Support
Phone(210) 841-3000
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
IBC Laredo (Main HQ)
Debit Card Fraud
Fraud and Code of Ethics Hotline
WebsiteLearn more→
IBC Investment Services (Estate Planning)
Phone(956) 722-7611
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
WebsiteLearn more→
Death Claims (handled at local branch level)
Phone(210) 841-3000
Mailing Address
1200 San Bernardo Ave, Laredo, TX 78042-1359
Verified Apr 2026
Estate planning articles
Learn how to protect your IBC Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
