How to name beneficiaries and fund a trust at Texas Capital
Covers 10 deposit, and 1 investment accounts — beneficiaries can be managed online
Client Support Center
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Dr, Tower A, Ste 700, Richardson, TX 75082 (correspondence) / Texas Capital Bank, Attn: Financial Center, 5800 Granite Pkwy, Ste 150, Plano, TX 75024 (deposits)
Texas Capital Private Bank (trustee, executor, and estate settlement services)
Client Support (deceased account notification; written confirmation to Consumer Operations)
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082
Estate planning for your Texas Capital 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.
With 11 product types, Texas Capital 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.
- Log in at https://securelogin.texascapitalbank.com/
- From the menu, select Account Services, then Manage Beneficiaries
- Click Add Beneficiary and enter the required details, including the beneficiary's full legal name
- Select the account or accounts the beneficiary should apply to and click Save - one beneficiary can be attached to multiple accounts
- On the Manage Beneficiaries page, click the three-dot menu in the upper-right corner, then Add/Remove Accounts
- Unselect accounts to change which accounts the beneficiary covers; unselecting all accounts deletes the beneficiary, or use Delete Beneficiaries
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Maximum of 5 beneficiaries per account (Texas Capital Bank FAQ)
- All beneficiaries added receive EQUAL allocations - custom percentage splits are not supported
- Contingent beneficiaries cannot be designated
- Texas account-ownership choices are made at account opening: Single-Party with or without Payable on Death, Multiple-Party with or without Right of Survivorship, Multiple-Party with Right of Survivorship and Payable on Death, Convenience Account, or Trust Account
- A Single-Party with Payable on Death account passes to the POD beneficiaries at death and is not part of the party's estate
- Joint accounts are limited to two applicants
- Any pledge of the account (to which the bank has agreed) must be satisfied before the rights of a joint survivor, POD beneficiary, or trust-account beneficiary become effective
Sources
Data sourced from Texas Capital primary sources (15 pages reviewed). How we research.
Download these Texas Capital instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Texas Capital primary sources. Bring it to the branch or keep it beside the phone.
Client Support Center
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Dr, Tower A, Ste 700, Richardson, TX 75082 (correspondence) / Texas Capital Bank, Attn: Financial Center, 5800 Granite Pkwy, Ste 150, Plano, TX 75024 (deposits)
Texas Capital Private Bank (trustee, executor, and estate settlement services)
Client Support (deceased account notification; written confirmation to Consumer Operations)
Texas Capital Bank, Attn: Consumer Operations, 1001 E. Lookout Drive, Tower A, Suite 700, Richardson, TX 75082
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