How to name beneficiaries and fund a trust at Mechanics Bank
Covers 9 deposit, 3 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
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 for your Mechanics Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
Across 14 product types, Mechanics Bank accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
Essential CheckingAdvantage CheckingPremier CheckingPersonal SavingsClub SavingsHealth Savings Account (HSA)Personal Money MarketPlatinum Market RateCertificate of Deposit (CD)
1
Visit any Mechanics Bank branch location
2
Request a POD (Payable on Death) beneficiary designation form for deposit accounts, or a beneficiary designation form for IRA accounts
3
Provide beneficiary details:
- Full legal name
- Date of birth
- Social Security number
- Relationship to account holder
- Primary or contingent designation
- Percentage allocation if naming multiple beneficiaries
4
Complete and sign the designation form with a banker
5
Receive confirmation that the beneficiary designation has been added to your account
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- California is a community property state: spousal consent may be required for IRA beneficiary changes naming someone other than the spouse
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.
