Estate planning at TrustCo Bank
How to protect 15 TrustCo Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through TrustCo Bank's Wealth Management / Financial Services
Customer Service
Phone1-800-670-3110
Mailing Address
Trustco Bank, P.O. Box 1082, Schenectady, NY 12301-1082
WebsiteLearn more→
Death Claims
Phone1-800-670-3110
Toll-Free1-800-670-3110
Mailing Address
Trustco Bank, P.O. Box 1082, Schenectady, NY 12301-1082
Verified May 2026
How your TrustCo Bank accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 13 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Managing beneficiaries at TrustCo Bank is straightforward—changes can be made in branch, by mail, and by phone, typically taking 15-30 minutes (in-branch or by phone). Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
TrustCo Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at TrustCo Bank.
View details →When someone dies
Death claim process
Contact TrustCo Bank's Wealth Management / Financial Services to file a claim. 4-step process, 8 required documents, and contact information for survivors.
View details →TrustCo Bank's Wealth Management / Financial Services can answer questions about beneficiaries, trusts, or death claims at 1-800-670-3110.
TrustCo Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes. TrustCo Bank's Wealth Management division (formerly Financial Services) has been administering trusts and estates since 1902. TrustCo Bank can serve as trustee of a revocable living trust or a trust under your will, managing assets and administering the trust for the benefit of named beneficiaries. The division also offers investment management, estate settlement, and comprehensive financial planning. Contact the Wealth Management division at 1-800-670-3110 or 518-381-3643.
Yes. TrustCo Bank is FDIC insured. POD beneficiaries qualify for separate FDIC insurance coverage of up to $250,000 per beneficiary per depositor. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries, up to the maximum allowed by law.
Sources
Data sourced from TrustCo Bank primary sources (16 pages reviewed). How we research.
Customer Service
Phone1-800-670-3110
Mailing Address
Trustco Bank, P.O. Box 1082, Schenectady, NY 12301-1082
WebsiteLearn more→
Death Claims
Phone1-800-670-3110
Toll-Free1-800-670-3110
Mailing Address
Trustco Bank, P.O. Box 1082, Schenectady, NY 12301-1082
Verified May 2026
Estate planning articles
Learn how to protect your TrustCo Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
