Stellar Bank
Subsidiary of Prosperity Bancshares, Inc. (successor to Stellar Bancorp, Inc.)
stellar.bankWhat happens to your Stellar Bank accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
Stellar Bank is now part of Prosperity BankAcquired, effective July 2026
Stellar Bank merged into Prosperity Bank effective July 1, 2026. Stellar banking centers continue to operate under the Stellar Bank name until the operational conversion scheduled for March 2027.
Stellar Bank does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Stellar Bank accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Stellar Bank with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
No beneficiary form at Stellar Bank
Stellar Bank does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
Stellar Bank does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
Personal Checking
Personal Interest Checking
Personal Savings
Personal Money Market
Certificate of Deposit
After the July 1, 2026 merger into Prosperity Bank, Stellar continues to honor the rates, terms, and conditions of each existing CD until maturity; at maturity the CD can renew at the rates and terms offered at that time.
What Stellar Bank says about beneficiaries and trusts
Each section is Stellar Bank's own statement, with the document it comes from numbered under Sources.
What Stellar Bank says about trust accounts1
- Accounts from a merged institution
Stellar customers cannot conduct banking transactions at Prosperity Bank banking centers until the operational conversion, scheduled for March 2027.1
Accounts handled elsewhere1
- Prosperity Bank
Deposits in accounts opened on or after July 1, 20261
Not in Stellar Bank's published guidance5
- A procedure for adding a payable-on-death beneficiary
- A beneficiary designation form
- What the owner provides to name a beneficiary
- A procedure for holding an account in a trust
- Which trust documents it accepts
Sources1
Sources
Data sourced from Stellar Bank primary sources (4 pages reviewed). How we research.
Download these Stellar Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Stellar Bank primary sources. Bring it to the branch or keep it beside the phone.
Stellar Bank estate support
Customer Service
Phone
Debit Card Support and Bank By Phone
Cancel Lost/Stolen Debit or ATM Card
Debit Card Fraud and Non-Fraud Disputes
Customer Complaints
Hours
Mailing address
Website
Estate requests go through general customer service.
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