How to name beneficiaries and fund a trust at Wintrust
Covers 10 deposit, 3 retirement, 2 investment, and 2 lending accounts — beneficiaries must be updated in-branch
231 South LaSalle Street, Chicago, IL 60604
Wintrust Private Trust Company, N.A.
231 South LaSalle Street, 13th Floor, Chicago, IL 60604
Customer Service / Estate Claims
Wintrust, P.O. Box 2027, Des Plaines, IL 60017
Estate planning for your Wintrust 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 17 product types, Wintrust 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.
- Request a POD (Payable on Death) beneficiary designation form for deposit accounts
- Bring each beneficiary's full legal name, home address, date of birth, and relationship
- Specify percentage allocations if naming multiple beneficiaries
- Add contingent beneficiaries if desired
- Sign the designation form
- Retain a copy of the signed form for your records
- Verify designations are reflected on your account
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD beneficiary changes require in-branch visit or phone contact; not available online
- Named beneficiaries override your will
Sources
Data sourced from Wintrust primary sources (20 pages reviewed). How we research.
Download these Wintrust instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Wintrust primary sources. Bring it to the branch or keep it beside the phone.
231 South LaSalle Street, Chicago, IL 60604
Wintrust Private Trust Company, N.A.
231 South LaSalle Street, 13th Floor, Chicago, IL 60604
Customer Service / Estate Claims
Wintrust, P.O. Box 2027, Des Plaines, IL 60017
Estate planning articles
Learn how to protect your Wintrust accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
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.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
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.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreMore estate planning resources
Explore related tools and documents to complete your estate plan.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
How Much Does a Revocable Living Trust Cost?
Compare the cost of creating a revocable living trust. See how SimplyTrust, Trust & Will, LegalZoom, and attorneys compare over 5 years including life events.
How Much Does a Will Cost?
Compare the cost of creating a will. See document costs plus probate fees your heirs will pay. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys.
