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
Zions Bank Customer Service
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Zions Wealth / Fiduciary Services
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Zions Bank Customer Service / Estate Claims
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
Estate planning for your Zions Bank 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.
Zions Bank has 17 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
- Bring government-issued photo ID to a Zions Bank branch location
- Request a POD (Payable on Death) beneficiary designation form
- Provide beneficiary full legal name, date of birth, Social Security number, and address
- Specify percentage allocation if naming multiple beneficiaries (must total 100%)
- Complete and sign the designation form with a banker
- Receive 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
Sources
Data sourced from Zions Bank primary sources (25 pages reviewed). How we research.
Download these Zions Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Zions Bank primary sources. Bring it to the branch or keep it beside the phone.
Zions Bank Customer Service
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Zions Wealth / Fiduciary Services
One South Main Street, 12th Floor, Salt Lake City, UT 84133-1109
Zions Bank Customer Service / Estate Claims
Zions Bank, P.O. Box 30709, Salt Lake City, UT 84130
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