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
Phone1-800-856-0212
Mailing Address
231 South LaSalle Street, Chicago, IL 60604
Wintrust Private Trust Company, N.A.
Phone1-877-243-4048
Mailing Address
231 South LaSalle Street, 13th Floor, Chicago, IL 60604
WebsiteLearn more→
Customer Service / Estate Claims
Phone1-800-856-0212
Mailing Address
Wintrust, P.O. Box 2027, Des Plaines, IL 60017
Wintrust Main Line
Wintrust Wealth / Trust Services
Wintrust Mortgage Servicing
Verified Jul 2026
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.
Total Access CheckingAccess Plus CheckingPremier CheckingPlatinum Preferred CheckingMoney Smart CheckingStatement SavingsMoney Market AccountMaxSafe Money MarketCertificate of Deposit (CD)MaxSafe CD
1
Visit a Wintrust community bank location with government-issued photo ID
- 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
2
Complete the beneficiary designation form
- Specify percentage allocations if naming multiple beneficiaries
- Add contingent beneficiaries if desired
- Sign the designation form
3
Submit the form and receive confirmation of beneficiary designation
- 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 (19 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.
Phone1-800-856-0212
Mailing Address
231 South LaSalle Street, Chicago, IL 60604
Wintrust Private Trust Company, N.A.
Phone1-877-243-4048
Mailing Address
231 South LaSalle Street, 13th Floor, Chicago, IL 60604
WebsiteLearn more→
Customer Service / Estate Claims
Phone1-800-856-0212
Mailing Address
Wintrust, P.O. Box 2027, Des Plaines, IL 60017
Wintrust Main Line
Wintrust Wealth / Trust Services
Wintrust Mortgage Servicing
Verified Jul 2026
Estate planning articles
Learn how to protect your Wintrust accounts and other assets with trusts, beneficiary designations, and estate planning documents.
