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
Phone1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage
Home Equity
TD Wealth
Cross-Border Banking
Credit Cards
WebsiteLearn more→
One TD Estates Centre
Phone1-866-235-1974
Death Claims
Phone1-888-751-9000
Toll-Free1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage Death Claims
Home Equity Death Claims
One TD Estates Centre
Verified Apr 2026
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.
TD Bank has 17 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
TD Beyond CheckingTD Complete CheckingTD Essential BankingTD Signature SavingsTD Simple SavingsTD Growth Money MarketTD Choice CDTD No-Catch CDTD Step Rate CD
1
Visit a TD Bank branch and request the beneficiary form:
- Find a nearby branch at https://www.td.com/us/en/personal-banking/contact-us and visit during lobby hours with government-issued photo ID
- Request to add a Payable on Death (POD) beneficiary designation to your deposit account
2
Provide beneficiary details and complete the form:
- 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
3
Sign and confirm the designation:
- Complete and sign the POD beneficiary designation form
- Receive confirmation of the beneficiary designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts can be named as POD beneficiaries with trust name, date, and EIN
- POD beneficiary does not have access to the account during the owner's lifetime
- POD designations allow assets to transfer outside of probate
- Named beneficiaries override your will
- TD Bank does not currently support online beneficiary designation for deposit accounts
Phone1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage
Home Equity
TD Wealth
Cross-Border Banking
Credit Cards
WebsiteLearn more→
One TD Estates Centre
Phone1-866-235-1974
Death Claims
Phone1-888-751-9000
Toll-Free1-888-751-9000
Mailing Address
TD Bank, N.A., 4140 Church Road, Mount Laurel, NJ 08054
Mortgage Death Claims
Home Equity Death Claims
One TD Estates Centre
Verified Apr 2026
Estate planning articles
Learn how to protect your TD Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
