How to name beneficiaries and fund a trust at TD Bank
Covers 9 deposit, 5 retirement, and 3 lending accounts — beneficiaries must be updated in-branch
TD Bank, N.A. (corporate office), 4140 Church Road, Mount Laurel, NJ 08054
TD Wealth Private Client Group (corporate trustee, executor, and co-executor services; $1M+ investable assets and $3M+ net worth)
TD Bank Customer Service (US estate intake -- TD Bank, N.A. publishes no separate US estates line)
TD Bank, N.A., Customer Service Department, Mail Stop NJ5-002-215, 6000 Atrium Way, Mt. Laurel, NJ 08054 (written correspondence address in the Personal Deposit Account Agreement; TD's corporate office is 4140 Church Road, Mount Laurel, NJ 08054)
The key to protecting your TD Bank accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
Across 17 product types, TD Bank accounts vary in how they transfer at death. The sections below walk through Payable on Death (POD) designations, trust funding options, and which products support each method.
- Find a nearby store at https://locations.td.com/us and visit during lobby hours with government-issued photo ID
- Ask to name a beneficiary on your deposit account. Form of ownership is recorded on the signature card, so a TD representative updates the card -- TD publishes no online beneficiary tool
- Provide beneficiary information: full legal name, date of birth, Social Security number
- For trusts as beneficiary: provide trust name, date of trust, and EIN
- Specify percentage allocations if naming multiple beneficiaries
- Sign the signature card / beneficiary designation the representative prepares -- the form of ownership that governs your account is the one specified on the signature card
- Keep the confirmation, and tell your executor the account carries a beneficiary so they do not open probate over it
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- TD's deposit agreement frames a beneficiary designation as a "Revocable Unwritten Trust" (in-trust-for) account rather than using the term POD: with no written trust agreement on file, you may withdraw all funds during your lifetime and the balance belongs to the named beneficiary at your death, if that person is still living
- TD may place a hold on the funds before paying the beneficiary, and the deposit agreement says it may require an in-trust-for beneficiary to provide reasonable proof of death and, in some jurisdictions, tax releases or other government consents before releasing funds
- A trust can be named as beneficiary by providing the trust name, date, and EIN
- The beneficiary has no access to the account during the owner's lifetime, and the designation controls over the will
- Beneficiary designations are recorded on the signature card, so they are made in a TD store or through Customer Service (1-888-751-9000) -- TD publishes no online beneficiary designation tool for deposit accounts
Sources
Data sourced from TD Bank primary sources (18 pages reviewed). How we research.
Download these TD Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against TD Bank primary sources. Bring it to the branch or keep it beside the phone.
TD Bank, N.A. (corporate office), 4140 Church Road, Mount Laurel, NJ 08054
TD Wealth Private Client Group (corporate trustee, executor, and co-executor services; $1M+ investable assets and $3M+ net worth)
TD Bank Customer Service (US estate intake -- TD Bank, N.A. publishes no separate US estates line)
TD Bank, N.A., Customer Service Department, Mail Stop NJ5-002-215, 6000 Atrium Way, Mt. Laurel, NJ 08054 (written correspondence address in the Personal Deposit Account Agreement; TD's corporate office is 4140 Church Road, Mount Laurel, NJ 08054)
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