How to name beneficiaries and fund a trust at Simmons Bank
Covers 9 deposit, 6 retirement, and 2 lending accounts — beneficiaries can be managed online
Phone1-866-246-2400
Mailing Address
Simmons Bank, Customer Service Center, P.O. Box 7009, Pine Bluff, AR 71611
WebsiteLearn more→
Phone1-866-246-2400
Mailing Address
Simmons Bank, Customer Service Center, P.O. Box 7009, Pine Bluff, AR 71611
WebsiteLearn more→
Death Claims
Phone1-866-246-2400
Toll-Free1-866-246-2400
Mailing Address
Simmons Bank, P.O. Box 7009, Pine Bluff, AR 71611
24-Hour Telephone Banking
Credit Card Center
Debit Card (Lost/Stolen)
Mortgage Loss Mitigation
Verified May 2026
There are two ways to keep your Simmons 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.
With 17 product types, Simmons 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.
Smart CheckingSignature CheckingSignature Plus CheckingPrivate Banking CheckingSimply SavingsMoney Market SavingsElevate Money Market AccountHealth Savings AccountCertificate of Deposit
1
Log in to Simmons Bank online banking at simmonsbank.com
2
Navigate to account settings or profile section
3
Select the account you wish to add a beneficiary to
4
Enter beneficiary information:
- Full legal name, date of birth, and Social Security number
- Designate allocation percentages if naming multiple beneficiaries
5
Review and confirm beneficiary designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations may require visiting a branch with trust documentation
- IRA beneficiary changes may require completing a separate form at a branch
- POD beneficiaries cannot withdraw unless all account creators have died and the beneficiary is living when the last creator dies
- If multiple POD beneficiaries survive, they own the account in equal shares with right of survivorship
- Account creators reserve the right to change beneficiaries, change account types, and withdraw funds at any time during their lifetime
Phone1-866-246-2400
Mailing Address
Simmons Bank, Customer Service Center, P.O. Box 7009, Pine Bluff, AR 71611
WebsiteLearn more→
Phone1-866-246-2400
Mailing Address
Simmons Bank, Customer Service Center, P.O. Box 7009, Pine Bluff, AR 71611
WebsiteLearn more→
Death Claims
Phone1-866-246-2400
Toll-Free1-866-246-2400
Mailing Address
Simmons Bank, P.O. Box 7009, Pine Bluff, AR 71611
24-Hour Telephone Banking
Credit Card Center
Debit Card (Lost/Stolen)
Mortgage Loss Mitigation
Verified May 2026
Estate planning articles
Learn how to protect your Simmons Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
