Estate planning at Pacific Enterprise
How to protect 11 Pacific Enterprise accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank Customer Service
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Verified May 2026
How your Pacific Enterprise accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 7 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.
Account holders can update their beneficiary designations at Pacific Enterprise in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Pacific Enterprise: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at Pacific Enterprise.
View details →When someone dies
Death claim process
4-step process, 5 required documents, and contact information for survivors.
View details →Pacific Enterprise 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
Yes. Deposit accounts such as checking, savings, money market, and CDs can be retitled to a revocable living trust. Visit the Irvine branch with your trust agreement or Certificate of Trust, government-issued ID for all trustees, and the trust EIN if applicable. Call (949) 623-7600 to discuss the process. Allow 1-2 weeks for retitling to complete.
Yes. While IRA accounts cannot be retitled into a trust, a trust can be named as the beneficiary of a Traditional IRA or Roth IRA held at United Business Bank. Naming a trust as IRA beneficiary can be appropriate when beneficiaries are minors, have special needs, or when the grantor wants to control the pace of distributions. However, trust beneficiaries do not qualify for the stretch IRA rules available to eligible designated beneficiaries under the SECURE Act. Consult an estate attorney before naming a trust as IRA beneficiary. Contact the Irvine branch at (949) 623-7600 to update an IRA beneficiary designation.
Sources
Data sourced from Pacific Enterprise primary sources (16 pages reviewed). How we research.
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Telephone Banking
Deposit and Loan Support
WebsiteLearn more→
United Business Bank Customer Service
Phone(949) 623-7600
Mailing Address
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Verified May 2026
Estate planning articles
Learn how to protect your Pacific Enterprise accounts and other assets with trusts, beneficiary designations, and estate planning documents.
