Estate planning at Mechanics Bank
How to protect 14 Mechanics Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Mechanics Bank's Wealth Management - Trust & Estate Services
Customer Care
Phone1-800-797-6324
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
Wealth Management
Credit Card Services (24/7)
Treasury Management
WebsiteLearn more→
Wealth Management - Trust & Estate Services
Phone925-482-8060
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
WebsiteLearn more→
Death Claims - Customer Care
Phone800-797-6324
Toll-Free1-800-797-6324
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
Former HomeStreet Bank Transition Support
Verified May 2026
How your Mechanics Bank accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 11 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Managing beneficiaries at Mechanics Bank is straightforward—changes can be made in branch and by phone, typically taking 15-30 minutes at branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Mechanics Bank 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 14 account types at Mechanics Bank.
View details →When someone dies
Death claim process
Contact Mechanics Bank's Wealth Management - Trust & Estate Services to file a claim. 4-step process, 7 required documents, and contact information for survivors.
View details →Reach Mechanics Bank's Wealth Management - Trust & Estate Services at 925-482-8060 for help with any of these procedures. Email inquiries can be sent to wealth@mechanicsbank.com.
Because Mechanics Bank serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
HomeStreet Bank merged into Mechanics Bank on September 2, 2025. All former HomeStreet Bank accounts and services have been migrated to Mechanics Bank systems. Former HomeStreet customers can contact Mechanics Bank Customer Care at 800-797-6324 or the dedicated transition line at 800-719-8080 for assistance.
Mechanics Bank offers Traditional IRAs, Roth IRAs, and Rollover Retirement Accounts. All require a $1,000 minimum opening balance and have no maintenance fees. Traditional IRAs offer tax-deductible contributions with required minimum distributions at age 73. Roth IRAs offer tax-free growth with no required minimum distributions. Rollover accounts are designed for transferring 401(k)s or employer-sponsored plans.
Yes. Mechanics Bank accepts revocable and irrevocable trusts as account owners for checking, savings, money market, and CD accounts. Visit any branch with a Certification of Trust or full trust agreement, government-issued ID for all trustees, and the trust's tax identification number or grantor SSN. The bank will retitle existing accounts or open new accounts in the trust name. IRA accounts cannot be titled to a trust but can name a trust as beneficiary.
Sources
Data sourced from Mechanics Bank primary sources (15 pages reviewed). How we research.
Customer Care
Phone1-800-797-6324
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
Wealth Management
Credit Card Services (24/7)
Treasury Management
WebsiteLearn more→
Wealth Management - Trust & Estate Services
Phone925-482-8060
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
WebsiteLearn more→
Death Claims - Customer Care
Phone800-797-6324
Toll-Free1-800-797-6324
Mailing Address
Mechanics Bank, 1111 Civic Drive, Walnut Creek, CA 94596
Former HomeStreet Bank Transition Support
Verified May 2026
Estate planning articles
Learn how to protect your Mechanics Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
