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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Stellar Bank→Preparing your estate

How to name beneficiaries and fund a trust at Stellar Bank

Covers 5 deposit accounts — beneficiaries must be updated in-branch

Brand change

Stellar Bank merged into Prosperity Bank effective July 1, 2026. Branches continue to operate under the Stellar Bank name and the 713-499-1800 customer service line until operational integration scheduled for March 2027. Effective July 2026.

Stellar Bank is now part of Prosperity Bank. The procedures below reflect Stellar Bank's accounts during the transition. View the Prosperity Bank estate planning page.

Stellar Bank

Subsidiary of Prosperity Bancshares, Inc. (successor to Stellar Bancorp, Inc.)

stellar.bank→
S

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Bank By Phone / Debit Card Activation
844-378-7564
Cancel Lost/Stolen Debit or ATM Card
888-297-0416
Customer Complaints
866-427-9306
Prosperity Bank (successor, effective 2026-07-01)
1-800-531-1401
WebsiteLearn more→

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Bank By Phone / Debit Card Activation
844-378-7564
Cancel Lost/Stolen Debit or ATM Card
888-297-0416
Customer Complaints
866-427-9306
Prosperity Bank (successor, effective 2026-07-01)
1-800-531-1401
WebsiteLearn more→

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Prosperity Bank estate/deceased services (successor)
1-800-531-1401
WebsiteNotify online→
Verified Jul 2026

Estate planning for your Stellar Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.

Stellar Bank offers 5 accounts, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.

Personal CheckingInterest CheckingSavings AccountMoney Market AccountCertificate of Deposit
1
Contact the institution for details.

Required Documents

  • Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

  • POD beneficiaries on deposit accounts pass directly to the named beneficiaries outside the will
SimplyTrustSimplyTrust Editorial·Updated July 8, 2026

Sources

  • stellar.bank
  • prosperitybankusa.com

Data sourced from Stellar Bank primary sources (7 pages reviewed). How we research.

Download these Stellar Bank instructions

Download instructions for the whole estate→

A 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

Subsidiary of Prosperity Bancshares, Inc. (successor to Stellar Bancorp, Inc.)

stellar.bank→
S

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Bank By Phone / Debit Card Activation
844-378-7564
Cancel Lost/Stolen Debit or ATM Card
888-297-0416
Customer Complaints
866-427-9306
Prosperity Bank (successor, effective 2026-07-01)
1-800-531-1401
WebsiteLearn more→

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Bank By Phone / Debit Card Activation
844-378-7564
Cancel Lost/Stolen Debit or ATM Card
888-297-0416
Customer Complaints
866-427-9306
Prosperity Bank (successor, effective 2026-07-01)
1-800-531-1401
WebsiteLearn more→

Customer Service

Phone713-499-1800
Mailing Address

Stellar Bank, P.O. Box 41314, Houston, TX 77241-1314

Prosperity Bank estate/deceased services (successor)
1-800-531-1401
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Stellar Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Estate planning articles

Learn how to protect your Stellar Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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