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

How to name beneficiaries and fund a trust at United Community

Covers 11 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch

United Community

Subsidiary of United Community Banks, Inc.

ucbi.com→
United Community logo

Customer Service

Phone1-800-822-2651
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

Private Wealth
1-844-931-9584
Treasury Management
1-866-270-6100
WebsiteLearn more→

Private Wealth (trust administration and estate settlement)

Phone1-844-931-9584
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

WebsiteLearn more→

Customer Support (deceased account holder notification)

Phone1-800-822-2651
Toll-Free1-800-822-2651
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

Same number, spelled
1-800-UCBANK1
WebsiteNotify online→
Verified Jul 2026

Estate planning for your United Community 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.

Across 15 product types, United Community 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.

United CheckingUnited Signature CheckingUnited Checking for 55+United Checking for StudentsUnited Essential BankingUnited SavingsUnited Student SavingsUnited Treasure Chest SavingsUnited Money Market6-Month Certificate of Deposit14-Month Certificate of Deposit
1
Visit any United Community banking center
  • Request to add or update a POD (Payable on Death) beneficiary designation
  • Provide beneficiary information: full legal name, date of birth, Social Security number, and relationship
2
Complete and sign the beneficiary designation form
  • Sign the beneficiary designation form in the presence of a banker
  • Retain a copy of the signed form for your records

Required Documents

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

Special Requirements

  • POD beneficiary changes typically require visiting a banking center or completing a paper form
  • Trusts named as beneficiaries require trust documentation including trust name, date, and trustee information
  • IRA beneficiary changes require a separate IRA-specific beneficiary designation form
SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • ucbi.com
  • banks.data.fdic.gov

Data sourced from United Community primary sources (20 pages reviewed). How we research.

Download these United Community instructions

Download instructions for the whole estate→

A printable PDF with the steps, required documents, and contact details — verified against United Community primary sources. Bring it to the branch or keep it beside the phone.

United Community

Subsidiary of United Community Banks, Inc.

ucbi.com→
United Community logo

Customer Service

Phone1-800-822-2651
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

Private Wealth
1-844-931-9584
Treasury Management
1-866-270-6100
WebsiteLearn more→

Private Wealth (trust administration and estate settlement)

Phone1-844-931-9584
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

WebsiteLearn more→

Customer Support (deceased account holder notification)

Phone1-800-822-2651
Toll-Free1-800-822-2651
Mailing Address

United Community Bank, 200 East Camperdown Way, Greenville, SC 29601

Same number, spelled
1-800-UCBANK1
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

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

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Estate planning articles

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

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According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
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Is this your situation?

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New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

Learn more