How to name beneficiaries and fund a trust at Sandy Spring Bank
Covers 11 deposit, 2 retirement, and 1 lending accounts — beneficiaries must be updated in-branch
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Death Claims (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Toll-Free800-990-4828
Mailing Address
Atlantic Union Bank, P.O. Box 446, Ruther Glen, VA 22546
Trust & Asset Management
Verified Feb 2026
Preparing your Sandy Spring Bank 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.
With 14 product types, Sandy Spring Bank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
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1Visit any Atlantic Union Bank branch location (including former Sandy Spring Bank branches)
2Bring a valid government-issued photo ID
3Request to add or update a POD beneficiary designation
4Complete the Payable on Death Beneficiary Designation form with a banker
5Provide beneficiary details including full legal name, date of birth, and Social Security Number
6Sign the completed form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Naming a trust as POD beneficiary requires providing trust documentation including trust name, date, and trustee information
- For IRA accounts, married account holders in community property states may need spousal consent to name a non-spouse beneficiary
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Death Claims (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Toll-Free800-990-4828
Mailing Address
Atlantic Union Bank, P.O. Box 446, Ruther Glen, VA 22546
Trust & Asset Management
Verified Feb 2026
Estate planning documents for Sandy Spring Bank customers
Free documents designed to protect your Sandy Spring Bank accounts.