How to name beneficiaries and fund a trust at Pacific Enterprise
Covers 8 deposit, 2 retirement, 1 hsa, and 3 lending accounts — beneficiaries must be updated in-branch
Brand change
Pacific Enterprise Bank merged into United Business Bank (a BayCom Corp subsidiary) on February 1, 2022. The former Irvine office at 17748 Sky Park Circle, Suite 100, Irvine, CA 92614 now operates as a United Business Bank branch: 949.623.7600, Monday-Friday 9:00 am to 4:00 pm. The old pacificenterprisebank.com website is offline; use https://www.unitedbusinessbank.com. Legacy Pacific Enterprise Bank accounts, statements, and checks are honored and serviced by United Business Bank. Effective February 2022.
The procedures below reflect Pacific Enterprise's accounts. Account servicing may transfer as the change takes effect.
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
United Business Bank - Irvine Branch (no separate estate or claims department; deceased-account matters are handled by the servicing branch)
United Business Bank, Attn: Irvine Branch, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
Preparing your Pacific Enterprise 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 Pacific Enterprise vary across 14 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
- Each beneficiary's full legal name and identifying information
- Percentage allocations if naming multiple beneficiaries
- For an IRA or HSA, complete the separate custodial beneficiary form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- United Business Bank does not publish an online beneficiary self-service tool; POD changes are made on signed branch documentation
- IRA and HSA beneficiary designations are separate from deposit-account POD designations - updating one does not update the other
- On a joint account, all owners generally sign the updated signature card
- A trust can be named as the POD beneficiary of a deposit account; bring the trust name, date, and EIN
Sources
Data sourced from Pacific Enterprise primary sources (15 pages reviewed). How we research.
Download these Pacific Enterprise instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Pacific Enterprise primary sources. Bring it to the branch or keep it beside the phone.
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
United Business Bank - Irvine Branch (formerly Pacific Enterprise Bank)
United Business Bank, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
United Business Bank - Irvine Branch (no separate estate or claims department; deceased-account matters are handled by the servicing branch)
United Business Bank, Attn: Irvine Branch, 17748 Sky Park Circle, Suite 100, Irvine, CA 92614
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