Estate planning at KeyBank
How to protect 21 KeyBank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through KeyBank's KeyBank Wealth Management - Trust & Estate Services
Personal Banking
Phone1-800-539-1539
Toll-Free1-800-539-1539
KEY2YOU Automated Self-Service
Lost or Stolen Cards
TDD/TTY (dial 711 for TRS)
WebsiteLearn more→
KeyBank Wealth Management - Trust & Estate Services
Phone1-800-539-1539
Toll-Free1-800-539-1539
KeyBank Retirement Operations (IRA)
WebsiteLearn more→
KeyBank Account Settlement
Phone1-800-539-1539
Fax1-216-357-6595
Mailing Address
KeyBank National Association, 4900 Tiedeman Road, Brooklyn, OH 44144
Mortgage Customer Service
Home Loan Payment Assistance
KeyBank Retirement Operations (IRA)
WebsiteNotify online→
Verified Apr 2026
KeyBank has 21 accounts, each with different rules for what happens when the account holder dies. Of those, 19 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
KeyBank lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
KeyBank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 21 account types at KeyBank.
View details →When someone dies
Death claim process
Contact KeyBank's KeyBank Wealth Management - Trust & Estate Services to file a claim. 7-step process, 6 required documents, and contact information for survivors.
View details →KeyBank's KeyBank Wealth Management - Trust & Estate Services can answer questions about beneficiaries, trusts, or death claims at 1-800-539-1539.
KeyBank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
KeyBank can retitle a Certificate of Deposit or money market account into the name of a revocable living trust without breaking the CD or triggering an early withdrawal penalty, provided the grantor remains the beneficial owner. The retitling is treated as a change in account registration rather than a redemption. The CD continues to the same maturity date and rate. Visit a branch with your trust agreement or Certificate of Trust, trustee photo ID, and trust EIN if applicable. If the trust EIN differs from the grantor's Social Security number, KeyBank may require updated W-9 certification.
Sources
Data sourced from KeyBank primary sources (23 pages reviewed). How we research.
Personal Banking
Phone1-800-539-1539
Toll-Free1-800-539-1539
KEY2YOU Automated Self-Service
Lost or Stolen Cards
TDD/TTY (dial 711 for TRS)
WebsiteLearn more→
KeyBank Wealth Management - Trust & Estate Services
Phone1-800-539-1539
Toll-Free1-800-539-1539
KeyBank Retirement Operations (IRA)
WebsiteLearn more→
KeyBank Account Settlement
Phone1-800-539-1539
Fax1-216-357-6595
Mailing Address
KeyBank National Association, 4900 Tiedeman Road, Brooklyn, OH 44144
Mortgage Customer Service
Home Loan Payment Assistance
KeyBank Retirement Operations (IRA)
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your KeyBank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
