How to name beneficiaries and fund a trust at Zions Bank
Covers 12 deposit, 3 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
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
Preparing your Zions Bank accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
With 17 product types, Zions Bank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Anytime CheckingAnytime Interest CheckingGold AccountPremier CheckingPremier Elite CheckingOnBudget BankingMilitary Advantage CheckingSavings AccountYoung Savers AccountMoney Market SavingsOnline Money MarketCertificate of Deposit (CD)
1Visit a Zions Bank branch location with government-issued photo ID
2Request a POD (Payable on Death) beneficiary designation form
3Provide beneficiary full legal name, date of birth, Social Security number, and address
4Specify percentage allocation if naming multiple beneficiaries (must total 100%)
5Complete and sign the designation form with a banker
6Receive confirmation of beneficiary designation
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- POD beneficiary designations avoid probate for designated beneficiaries
- Trusts can be named as POD beneficiaries
- If multiple beneficiaries are named without percentages, they share equally
- Beneficiaries need certified death certificate and government-issued ID to claim funds
- POD designation overrides any instructions in a will
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 documents for Zions Bank customers
Free documents designed to protect your Zions Bank accounts.