How to name beneficiaries and fund a trust at IBC Bank

Download instructions for the whole estate

IBC San Antonio

(210) 518-2500

IBC Houston

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Verified Jul 2026

Preparing your IBC Bank accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

With 16 product types, IBC Bank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.

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Locate your nearest branch using the branch locator at https://www.ibc.com/locations

Bring government-issued photo ID to the branch

Request to add or update a Payable on Death (POD) beneficiary on your deposit account

Provide beneficiary information:

Full legal name
Date of birth
Social Security number
Relationship to account holder
Percentage allocation if naming multiple beneficiaries

Review and sign the beneficiary designation form with a banker

For IRA accounts, request the separate IRA beneficiary designation form at the branch

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

IBC publishes no downloadable beneficiary or POD form and no online beneficiary screen — every designation is signed at a branch on IBC paperwork. Locate a branch at https://www.ibc.com/locations
Beneficiary does not need to be present
Named POD beneficiaries override your will for covered accounts
IBC's published Schedule of Fees and Charges (https://www.ibc.com/online-banking/schedule-of-fees-and-charges) lists a "Signature card update" charge of $15.00 per account. Ask the branch whether your beneficiary change is processed as a signature card update before you sign

SimplyTrust Editorial·Updated July 12, 2026

Sources

Data sourced from IBC Bank primary sources (32 pages reviewed). How we research.

Download these IBC Bank instructions

A printable PDF with the steps, required documents, and contact details — verified against IBC Bank primary sources. Bring it to the branch or keep it beside the phone.

I understand these instructions are general guidance and can change. I will confirm current requirements with IBC Bank.I understand this is not legal advice; a licensed attorney handles legal questions.Send me helpful estate planning resources and updates

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IBC Bank

Subsidiary of International Bancshares Corporation

ibc.com→

Online Banking Support

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

IBC Laredo (Main HQ)

Debit Card Fraud

1-866-902-5860

Fraud and Code of Ethics Hotline

1-800-894-6076

WebsiteLearn more→

IBC Investment Services (Estate Planning)

Phone(956) 722-7611

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

WebsiteLearn more→

Estate/death claims are handled at the account's home branch (no central estate unit)

Mailing Address

IBC Laredo

IBC San Antonio

IBC Houston

IBC Corpus Christi

IBC McAllen

IBC Brownsville

IBC Austin

IBC Oklahoma City

WebsiteNotify online→

Verified Jul 2026

Estate planning articles

Learn how to protect your IBC Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

How to name beneficiaries and fund a trust at IBC Bank

Covers 10 deposit, 3 retirement, and 3 lending accounts — beneficiaries must be updated in-branch

IBC Bank

Subsidiary of International Bancshares Corporation

ibc.com→

Online Banking Support

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

IBC Laredo (Main HQ)

Debit Card Fraud

1-866-902-5860

Fraud and Code of Ethics Hotline

1-800-894-6076

WebsiteLearn more→

IBC Investment Services (Estate Planning)

Phone(956) 722-7611

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

WebsiteLearn more→

Estate/death claims are handled at the account's home branch (no central estate unit)

Download instructions for the whole estate

Mailing Address

IBC Laredo

IBC San Antonio

IBC Houston

IBC Corpus Christi

IBC McAllen

IBC Brownsville

IBC Austin

IBC Oklahoma City

WebsiteNotify online→

Verified Jul 2026

Locate your nearest branch using the branch locator at https://www.ibc.com/locations

Bring government-issued photo ID to the branch

Request to add or update a Payable on Death (POD) beneficiary on your deposit account

Provide beneficiary information:

Full legal name
Date of birth
Social Security number
Relationship to account holder
Percentage allocation if naming multiple beneficiaries

Review and sign the beneficiary designation form with a banker

For IRA accounts, request the separate IRA beneficiary designation form at the branch

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

IBC publishes no downloadable beneficiary or POD form and no online beneficiary screen — every designation is signed at a branch on IBC paperwork. Locate a branch at https://www.ibc.com/locations
Beneficiary does not need to be present
Named POD beneficiaries override your will for covered accounts
IBC's published Schedule of Fees and Charges (https://www.ibc.com/online-banking/schedule-of-fees-and-charges) lists a "Signature card update" charge of $15.00 per account. Ask the branch whether your beneficiary change is processed as a signature card update before you sign

SimplyTrust Editorial·Updated July 12, 2026

Sources

Data sourced from IBC Bank primary sources (32 pages reviewed). How we research.

Download these IBC Bank instructions

A printable PDF with the steps, required documents, and contact details — verified against IBC Bank primary sources. Bring it to the branch or keep it beside the phone.

First name *

Last name *

Email address *

IBC Bank

Subsidiary of International Bancshares Corporation

ibc.com→

Online Banking Support

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

IBC Laredo (Main HQ)

Debit Card Fraud

1-866-902-5860

Fraud and Code of Ethics Hotline

1-800-894-6076

WebsiteLearn more→

IBC Investment Services (Estate Planning)

Phone(956) 722-7611

Mailing Address

1200 San Bernardo Ave, Laredo, TX 78042-1359

WebsiteLearn more→

Estate/death claims are handled at the account's home branch (no central estate unit)

Mailing Address

IBC Laredo

IBC San Antonio

IBC Houston

IBC Corpus Christi

IBC McAllen

IBC Brownsville

IBC Austin

IBC Oklahoma City

WebsiteNotify online→

Verified Jul 2026

Estate planning articles

Learn how to protect your IBC Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your IBC Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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