Estate planning at Santander
How to protect 15 Santander accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Customer Service Center (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Mailing Address
Santander Bank, 75 State Street, Boston, MA 02109
Santander Select Services
Santander Private Client
Private Client Investment Services
Santander Investment Services
Mortgage Servicing
Relay Service (hearing/speech-impaired)
WebsiteLearn more →
Customer Service Center (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Mailing Address
Santander Bank, 75 State Street, Boston, MA 02109
Santander Select Services
Santander Private Client
Private Client Investment Services
Santander Investment Services
Mortgage Servicing
Relay Service (hearing/speech-impaired)
WebsiteLearn more →
Death Claims / Estate Processing (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Toll-Free1-877-768-2265
Mailing Address
Santander Bank, N.A., P.O. Box 12646, Reading, PA 19612
Verified Feb 2026
Santander offers 15 consumer accounts that interact with estate planning in distinct ways. Of those, 14 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Santander can be managed in branch, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Santander provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Santander.
View details →When someone dies
Death claim process
9-step process, 5 required documents, and contact information for survivors.
View details →Santander 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. You can name a trust as a POD beneficiary on Santander deposit accounts. You will need to provide the trust name, address, and EIN. Visit a local branch to set up the designation. For Santander Investment Services accounts (IRAs, brokerage), contact 1-866-736-6475 for beneficiary designation procedures.
Santander offers four personal checking accounts: Essential Checking ($4/month fee waived if under 26 or 65+, no overdraft fees, Bank On certified), Simply Right Checking ($10/month fee waived with one monthly transaction or if under 26), Select Checking (interest-bearing, $25/month fee waived with $25,000+ combined balance), and Private Client Checking (no monthly fee with $250,000+ combined balance, Priority Pass lounge access, dedicated service line).
Yes. Santander Investment Services (Santander Securities LLC, Member FINRA/SIPC) offers Traditional IRA, Roth IRA, Rollover IRA (for 401(k) or 403(b) rollovers), and SEP IRA accounts. IRAs cannot be retitled to a trust, but you can name a trust as the beneficiary. Automatic monthly contributions are available from linked bank accounts. Contact Santander Investment Services at 1-866-736-6475 (Monday-Friday 9am-5pm ET) for details.
Visit a local Santander branch with your trust document or Certificate of Trust, government-issued ID for all trustees, and the trust tax identification number (EIN or SSN). A banker will help you complete the trust account application and signature card. Trust accounts cannot be opened online. Allow 1-2 weeks for processing. For Santander Investment Services accounts, contact 1-866-736-6475 for trust retitling procedures.
Customer Service Center (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Mailing Address
Santander Bank, 75 State Street, Boston, MA 02109
Santander Select Services
Santander Private Client
Private Client Investment Services
Santander Investment Services
Mortgage Servicing
Relay Service (hearing/speech-impaired)
WebsiteLearn more →
Customer Service Center (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Mailing Address
Santander Bank, 75 State Street, Boston, MA 02109
Santander Select Services
Santander Private Client
Private Client Investment Services
Santander Investment Services
Mortgage Servicing
Relay Service (hearing/speech-impaired)
WebsiteLearn more →
Death Claims / Estate Processing (Monday-Saturday 8am-8pm ET)
Phone1-877-768-2265
Toll-Free1-877-768-2265
Mailing Address
Santander Bank, N.A., P.O. Box 12646, Reading, PA 19612
Verified Feb 2026
Estate planning resources for Santander customers
Tools and documents to help protect your Santander accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
Take the Quiz
Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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