Estate planning options at Seacoast Bank
There are two ways to keep your Seacoast Bank accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Each of Seacoast Bank's 16 accounts has different rules for how it transfers at death. The sections below explain the options for each.
No beneficiary form at Seacoast Bank
- Name, address, date of birth, and other identifying information; Seacoast may also ask to see a driver's license or other identifying documents
- The taxpayer identification number (TIN) for the account, certified as correct
Required Documents
- Written trust agreement naming the trustee
- Name, address, date of birth and other identifying information (for each person opening the account)
- Driver's license or other identifying documents (if Seacoast asks to see them)
- Taxpayer identification number (TIN) for the account. Certified as correct
What Seacoast Bank says about beneficiaries and trusts
Each section is Seacoast Bank's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- IRA
A Seacoast IRA owner can designate one or more beneficiaries.1
State requirements Seacoast Bank statesFlorida, Georgia
- Florida
Seacoast may refuse some forms of ownership and beneficiary designations.2
When the owner dies, or the last surviving owner of a survivorship account, the account passes to the named payable-on-death beneficiaries and is not part of the owner's estate.2
- Georgia
On a Georgia account, beneficiaries cannot withdraw until every person who created the account has died and the beneficiary is then living. Two or more surviving beneficiaries own the account in equal shares without right of survivorship.2
The owner of a Georgia revocable trust or pay-on-death account can change beneficiaries, change the account type and withdraw funds at any time.2
Which accounts a trust can hold1
- Trust account
An account may be opened and maintained by a person named as trustee under a written trust agreement. By opening it, Seacoast does not act as trustee and does not monitor or enforce the terms of the trust.2
Accounts handled elsewhere1
- LPL Financial
Investment and brokerage accounts through Seacoast Investment Services3
Not in Seacoast Bank's published guidance3
- A beneficiary designation form
- An online way to name a beneficiary
- What the owner provides to name a beneficiary
Sources3
- 1.Personal banking FAQs
- 2.Deposit Account Agreement, effective January 1, 2026
- 3.Personal investing
Sources
Data sourced from Seacoast Bank primary sources (24 pages reviewed). How we research.
Download these Seacoast Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Seacoast Bank primary sources. Bring it to the branch or keep it beside the phone.
Seacoast Bank estate support
Customer Support Center
Phone
Outside the U.S.
Hours
Mailing address
Website
Estate requests go through general customer service.
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