Estate planning at Zions Bank
How to protect 17 Zions Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Zions Bank's Zions Wealth / Fiduciary Services
Phone1-888-307-3411
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Corporate Trust Department
Corporate Trust Toll-Free
Zions Wealth / Fiduciary Services
Phone1-888-673-3380
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Corporate Trust Department
Corporate Trust Toll-Free
WebsiteLearn more →
Phone1-888-307-3411
Fax(801) 524-2189
Mailing Address
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
Verified Mar 2026
Zions Bank offers 17 consumer accounts that interact with estate planning in distinct ways. Of those, 15 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.
Beneficiary designations at Zions Bank can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Zions Bank 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 17 account types at Zions Bank.
View details →When someone dies
Death claim process
Contact Zions Bank's Zions Wealth / Fiduciary Services to file a claim. 8-step process, 5 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Zions Bank's Zions Wealth / Fiduciary Services at 1-888-673-3380. Email inquiries can be sent to WealthSelect@zionswealthadvisors.com.
Zions Bank 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
Yes. IRA beneficiary designations are handled separately from deposit account POD designations. Contact Zions Bank at 1-888-307-3411 or visit a branch to complete an IRA beneficiary designation form. You can name individuals or a trust as beneficiary of your IRA. Naming a trust as IRA beneficiary has tax implications, so consult a tax advisor.
Zions Wealth fiduciary services team offers trust administration, co-trustee representation, executor and co-executor estate administration services, and philanthropic services including investment and management for nonprofit organizations, foundations, and charitable trusts. Contact Zions Wealth at 1-888-673-3380 or email WealthSelect@zionswealthadvisors.com.
Visit a Zions Bank branch with your trust document or Certification of Trust, government-issued ID for all trustees, the trust EIN (or your SSN for a revocable grantor trust), and a completed W-9. The bank will help you complete the trust account application and retitle your accounts. Processing typically takes 1-2 weeks.
Zions Bank has 121 full-service branches and nearly 200 ATMs throughout Utah, Idaho, and Jackson, Wyoming. The parent company, Zions Bancorporation, operates in 11 western states through affiliate brands including Amegy Bank (Texas), California Bank & Trust (California), National Bank of Arizona (Arizona), Nevada State Bank (Nevada), Vectra Bank Colorado (Colorado, New Mexico), and Commerce Bank of Washington (Washington, Oregon). Each brand operates independently with local management.
Zions Bank is one of seven brands under Zions Bancorporation, serving Utah, Idaho, and Wyoming. Other affiliate brands serve different states with separate management: Amegy Bank (Texas), California Bank & Trust (California), National Bank of Arizona (Arizona), Nevada State Bank (Nevada), Vectra Bank Colorado (Colorado, New Mexico), and Commerce Bank of Washington (Washington, Oregon). Each bank operates independently but shares the same parent company and infrastructure.
Zions Bank branches are located only in Utah, Idaho, and Wyoming, and most accounts require an in-state presence. However, the Online Money Market account is available in 41 states (excluding AZ, CA, CO, ID, NV, TX, and UT, which are served by affiliate brands). For other states, consider the appropriate Zions Bancorporation affiliate brand for your area.
Phone1-888-307-3411
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Corporate Trust Department
Corporate Trust Toll-Free
Zions Wealth / Fiduciary Services
Phone1-888-673-3380
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Corporate Trust Department
Corporate Trust Toll-Free
WebsiteLearn more →
Phone1-888-307-3411
Fax(801) 524-2189
Mailing Address
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
Verified Mar 2026
Estate planning resources for Zions Bank customers
Tools and documents to help protect your Zions Bank accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
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Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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