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
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
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.
The transfer rules at IBC Bank vary across 16 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
IBC Free CheckingRite CheckingRegular CheckingCheck 'N Save (N.O.W.)Check 'N Save Plus (Money Market)IBC Elite Checking (N.O.W.)IBC Elite Advantage (Money Market)IBC ConnectionIBC Personal SavingsIBC Certificate of Deposit
1
Locate your nearest branch using the branch locator at https://www.ibc.com/locations
2
Bring government-issued photo ID to the branch
3
Request to add or update a Payable on Death (POD) beneficiary on your deposit account
4
Provide beneficiary information:
- Full legal name
- Date of birth
- Social Security number
- Relationship to account holder
- Percentage allocation if naming multiple beneficiaries
5
Review and sign the beneficiary designation form with a banker
6
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
- Beneficiary designation and POD forms are not available online; IBC Bank handles all beneficiary changes in-branch
- Beneficiary does not need to be present
- Named POD beneficiaries override your will for covered accounts
- Contact your local branch for specific forms and requirements
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.
