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
Zions Bank Customer Service
Phone1-888-307-3411
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Credit Card / Debit Card Services
Security Concerns
Home Loans
Home Equity
Corporate Trust Department
Corporate Trust Toll-Free
WebsiteLearn more→
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→
Zions Bank Customer Service / Estate Claims
Phone1-888-307-3411
Fax(801) 524-2189
Mailing Address
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
Home Loans
Home Equity
Zions Wealth / Fiduciary Services
Verified Apr 2026
How your Zions Bank accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 15 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Managing beneficiaries at Zions Bank is straightforward—changes can be made 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.
There are two sides to estate planning at Zions Bank: 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 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. 3-step process, 5 required documents, and contact information for survivors.
View details →Reach Zions Bank's Zions Wealth / Fiduciary Services at 1-888-673-3380 for help with any of these procedures. Email inquiries can be sent to WealthSelect@zionswealthadvisors.com.
Zions Bank 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
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. They also provide access to unique asset management such as real estate and oil/gas holdings. Contact Zions Wealth at 1-888-673-3380 or email WealthSelect@zionswealthadvisors.com.
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.
Yes. Checking, savings, money market, and CD accounts at Zions Bank can be retitled to a revocable living trust. Visit a branch with the full trust agreement or a Certification of Trust, government-issued ID for all trustees, and the trust EIN (or grantor's SSN for revocable grantor trusts). The bank retitles accounts to trust ownership (e.g., "John Smith, Trustee of the Smith Family Trust dated 01/01/2025"). Processing typically takes 1-2 weeks. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Yes. IRA accounts at Zions Bank (IRA Money Market, IRA CD, and Premier CD & IRA) support beneficiary designations, which are handled separately from POD designations on deposit accounts. A trust can be named as an IRA beneficiary. IRA beneficiary designations override any instructions in a will. Contact Zions Bank at 1-888-307-3411 or visit a branch to set up or update IRA beneficiaries.
Sources
Data sourced from Zions Bank primary sources (23 pages reviewed). How we research.
Zions Bank Customer Service
Phone1-888-307-3411
Mailing Address
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Credit Card / Debit Card Services
Security Concerns
Home Loans
Home Equity
Corporate Trust Department
Corporate Trust Toll-Free
WebsiteLearn more→
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→
Zions Bank Customer Service / Estate Claims
Phone1-888-307-3411
Fax(801) 524-2189
Mailing Address
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
Home Loans
Home Equity
Zions Wealth / Fiduciary Services
Verified Apr 2026
Estate planning articles
Learn how to protect your Zions Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
