How to name beneficiaries and fund a trust at Mascoma Bank
Covers 13 deposit, 2 retirement, 6 lending, and 1 investment accounts — beneficiaries must be updated in-branch
Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Lost/Stolen Debit Card (after hours)
Wealth Management / Trust Services
WebsiteLearn more→
Wealth Management / Trust Services
Phone1-603-676-8813
Toll-Free1-888-627-2662
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
WebsiteLearn more→
Death Claims / Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Verified May 2026
Preparing your Mascoma 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 Mascoma Bank vary across 22 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
More CheckingMy CheckingRelationship Gold CheckingStatement SavingsBuild SavingsMoney Market PlusElevate 1 MMA5-Month CD Special9-Month CD Special12-Month CD/IRA Special18-Month CD/IRA SpecialStandard CDHealth Savings Account
1
Visit any Mascoma Bank branch (https://mascoma.bank/locations/) with government-issued photo ID
2
Request a POD (Payable on Death) beneficiary designation for deposit accounts
3
Provide beneficiary information:
- Full legal name
- Date of birth
- Social Security number
- Relationship to account owner
4
Specify primary and contingent beneficiaries with percentage allocations
5
Both account owners must sign the form for joint accounts
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD designation available for deposit accounts (checking, savings, money market, certificates)
- IRA beneficiary designations are separate from deposit account POD designations
- Beneficiary does not need to be present
- Changes require signatures of all living account owners
- For wealth management and trust accounts, contact Mascoma Wealth Management at 603-676-8813
Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Lost/Stolen Debit Card (after hours)
Wealth Management / Trust Services
WebsiteLearn more→
Wealth Management / Trust Services
Phone1-603-676-8813
Toll-Free1-888-627-2662
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
WebsiteLearn more→
Death Claims / Customer Service
Phone1-603-448-3650
Toll-Free1-888-627-2662
Emailmsbinfo@mascoma.bank
Mailing Address
Mascoma Bank, PO Box 4399, White River Junction, VT 05001
Verified May 2026
Estate planning articles
Learn how to protect your Mascoma Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
