Estate planning at Washington Trust
How to protect 15 Washington Trust accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Washington Trust's Washington Trust Wealth Management
Customer Solutions Center
Phone800-475-2265
Emailinfo@washtrust.com
Mailing Address
23 Broad Street, Westerly, RI 02891
Washington Trust Wealth Management
Phone800-582-1076
Mailing Address
23 Broad Street, Westerly, RI 02891
WebsiteLearn more→
Customer Solutions Center
Phone800-475-2265
Toll-Free800-475-2265
Mailing Address
Washington Trust Company, 23 Broad Street, Westerly, RI 02891
Verified May 2026
Washington Trust offers 15 consumer accounts that interact with estate planning in distinct ways. Of those, 13 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Managing beneficiaries at Washington Trust is straightforward—changes can be made in branch and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Washington Trust 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 Washington Trust.
View details →When someone dies
Death claim process
Contact Washington Trust's Washington Trust Wealth Management to file a claim. 3-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Washington Trust's Washington Trust Wealth Management at 800-582-1076. Email inquiries can be sent to info@washtrustwealth.com.
Washington Trust 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
Washington Trust Wealth Management offers comprehensive fiduciary and estate services including trust administration, estate settlement, multi-generational wealth planning, and investment management. With over $7.6 billion in assets under administration, their fiduciary team provides customized financial planning and full trust services from offices in Rhode Island, Connecticut, and Massachusetts. Contact them at 800-582-1076 or info@washtrustwealth.com.
CDARS (Certificate of Deposit Account Registry Service) allows Washington Trust customers to access multi-million-dollar FDIC insurance protection by distributing deposits across a network of participating banks. Your relationship remains with Washington Trust, but your funds receive FDIC coverage beyond the standard $250,000 per depositor limit. Available for individuals and businesses. Early withdrawal penalties apply.
Yes. A trust can be named as POD beneficiary on Washington Trust deposit accounts (checking, savings, money market, CDs). Provide the trust name, date established, and EIN on the beneficiary designation form. For IRA CDs, a trust can be named as beneficiary. POD accounts pass outside the probate process.
Visit a Washington Trust branch with your trust document or Certificate of Trust, government-issued photo ID for all trustees, and the trust tax identification number (EIN or grantor SSN). A banker will complete the trust account application and retitle your deposit accounts into the trust name. A revocable trust does not need its own tax ID -- income is taxed to the grantor. IRA accounts cannot be retitled to a trust.
Washington Trust offers Traditional IRA CDs and Roth IRA CDs with a $500 minimum deposit. Traditional IRA contributions may be tax-deductible with required minimum distributions beginning at age 73. Roth IRA qualified distributions are tax-free after age 59 1/2 with accounts held 5 years or more. Both support rollovers and transfers from other institutions. IRAs cannot be retitled to a trust; a trust can be named as beneficiary.
The routing number for all Washington Trust checking and savings accounts, as well as wire transfers, is 011500858.
Sources
Data sourced from Washington Trust primary sources (17 pages reviewed). How we research.
Customer Solutions Center
Phone800-475-2265
Emailinfo@washtrust.com
Mailing Address
23 Broad Street, Westerly, RI 02891
Washington Trust Wealth Management
Phone800-582-1076
Mailing Address
23 Broad Street, Westerly, RI 02891
WebsiteLearn more→
Customer Solutions Center
Phone800-475-2265
Toll-Free800-475-2265
Mailing Address
Washington Trust Company, 23 Broad Street, Westerly, RI 02891
Verified May 2026
Estate planning articles
Learn how to protect your Washington Trust accounts and other assets with trusts, beneficiary designations, and estate planning documents.
