Estate planning at Prosperity Bank
How to protect 18 Prosperity Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Death Claims / Account Settlement
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 80 Sugar Creek Center Blvd., Sugar Land, TX 77478
Home Mortgage
International
Verified Apr 2026
How your Prosperity Bank accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 16 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 Prosperity Bank in branch, by mail, 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 Prosperity Bank: 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 18 account types at Prosperity Bank.
View details →When someone dies
Death claim process
4-step process, 8 required documents, and contact information for survivors.
View details →Prosperity Bank 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
Prosperity Bank's Wealth Management and Trust Services division provides personal trust and estate administration, living trust administration, testamentary trust management, special needs trusts, guardianships, mineral and oil/gas management, customized investment portfolios, managed IRAs, and employee benefit plans including 401(k) administration. Their Prosperity Portfolios suite offers various asset allocation strategies ranging from aggressive growth to income-focused approaches. Contact your local banking center or the Wealth Management team for more details.
Yes. Prosperity Bank is FDIC insured, backed by the full faith and credit of the U.S. Government. POD beneficiaries receive separate FDIC insurance coverage of up to $250,000 per beneficiary. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries, up to the maximum allowed by law.
To retitle a checking, savings, money market, or CD account into your revocable living trust, visit any Prosperity Bank banking center with your trust documentation. You will need a Certification of Trust or the full trust agreement, government-issued ID for all trustees, and the trust's tax identification number (for revocable trusts, the grantor's SSN is typically used during the grantor's lifetime). A banker will complete the retitling. IRA accounts cannot be retitled to a trust; a trust can be named as the IRA beneficiary instead.
Yes. A trust can be named as the primary or contingent beneficiary of a Prosperity Bank Traditional IRA, Roth IRA, or SEP IRA. Visit your local banking center to complete the IRA Beneficiary Designation form with the trust name, date of establishment, and trust tax identification number (EIN). Naming a trust as IRA beneficiary has complex income tax implications under SECURE Act 2.0 rules; consult a tax advisor before doing so.
Prosperity Trust is the wealth management and trust services division of Prosperity Bank. It offers personal trust administration, living trust administration, testamentary trust management, estate settlement and executor services, special needs trusts, financial guardianships, farm and ranch property management, mineral and oil/gas interest management, and customized investment management through Prosperity Portfolios. Prosperity Trust operates regional offices across Texas and Oklahoma. Contact the division by email at trust@prosperitybankusa.com or call your nearest regional office: Houston 713-275-6510, Dallas-Ft. Worth 469-229-9305, Austin 512-329-7714, Lubbock 806-741-2177, Midland-Odessa 432-687-9109, Abilene 325-794-1049, Bryan-College Station 979-680-5553, Oklahoma City 405-951-9051.
Sources
Data sourced from Prosperity Bank primary sources (25 pages reviewed). How we research.
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 1301 North Mechanic, El Campo, TX 77437
Home Mortgage
International
Prosperity Trust - Lubbock
Prosperity Trust - Dallas-Ft. Worth
Prosperity Trust - Houston
Prosperity Trust - Austin
WebsiteLearn more→
Death Claims / Account Settlement
Phone1-800-531-1401
Mailing Address
Prosperity Bank, 80 Sugar Creek Center Blvd., Sugar Land, TX 77478
Home Mortgage
International
Verified Apr 2026
Estate planning articles
Learn how to protect your Prosperity Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
