Estate planning at Woodforest
How to protect 14 Woodforest accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-866-553-0541
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
24-Hour Account Information
Lost or Stolen Debit Card
WebsiteLearn more→
Phone1-866-553-0541
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
24-Hour Account Information
Lost or Stolen Debit Card
WebsiteLearn more→
Death Claims
Phone1-877-968-7962
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
Verified May 2026
Woodforest offers 14 consumer accounts that interact with estate planning in distinct ways. Of those, 12 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 Woodforest 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.
There are two sides to estate planning at Woodforest: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at Woodforest.
View details →When someone dies
Death claim process
4-step process, 8 required documents, and contact information for survivors.
View details →Woodforest operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Woodforest branches inside Walmart stores typically have extended hours compared to traditional banks, including evening and weekend hours. Hours vary by location. Customer Service is available Monday through Saturday, 8:00 AM to 5:00 PM CT at 1-877-968-7962. Use the branch locator at https://www.woodforest.com/About-Us/Contact-Us/Locations to find specific hours for your nearest location.
Yes. Woodforest National 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.
Woodforest does not currently support online POD beneficiary changes. You must visit a Woodforest branch, call 1-877-968-7962, or request a paper form by mail. Beneficiary information required includes full legal name, date of birth, Social Security number, and relationship. Mail completed forms to Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889.
Visit a Woodforest branch with your Certification of Trust (or full trust agreement), government-issued ID for all trustees, and the trust tax identification number (SSN for revocable trusts, EIN for irrevocable trusts). A banker will complete the trust account application and retitle the account. Both revocable and irrevocable trusts are accepted. IRA accounts cannot be retitled to a trust.
Yes. You can name a trust as primary or contingent beneficiary of a Woodforest Traditional or Roth IRA. Provide the trust name, date of trust, trustee name, and trust tax identification number. IRA beneficiary changes require a separate IRA-specific beneficiary designation form, which you can obtain at a branch or by calling 1-877-968-7962.
Woodforest partners with Rocket Mortgage (not a Woodforest affiliate) for mortgage lending. Eligible Woodforest customers may receive a lender credit equal to 1% of the loan amount (up to $10,000) on a Qualified Mortgage. Mortgage applications are completed online through Rocket Mortgage. Visit https://www.woodforest.com/personal/loans/mortgage/ for details.
General inquiries: 1-877-968-7962 or 1-866-553-0541 (Monday-Saturday 8:00 AM-5:00 PM CT). 24-hour account information: 1-866-226-5724. Lost or stolen debit card: 1-866-682-7045. Consumer Loan Center: 1-877-562-6962. Mailing address: P.O. Box 7889, The Woodlands, TX 77387-7889.
The Emerald Elite Account is a premium money market account offering competitive rates with flexible fund access. No daily minimum balance is required to earn interest. It includes online and mobile banking, bill pay, mobile check deposit, and debit card management. POD beneficiary designation is available.
Sources
Data sourced from Woodforest primary sources (15 pages reviewed). How we research.
Phone1-866-553-0541
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
24-Hour Account Information
Lost or Stolen Debit Card
WebsiteLearn more→
Phone1-866-553-0541
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
24-Hour Account Information
Lost or Stolen Debit Card
WebsiteLearn more→
Death Claims
Phone1-877-968-7962
Toll-Free1-877-968-7962
Mailing Address
Woodforest National Bank, P.O. Box 7889, The Woodlands, TX 77387-7889
Verified May 2026
Estate planning articles
Learn how to protect your Woodforest accounts and other assets with trusts, beneficiary designations, and estate planning documents.
