Payable on Death Account Rules at 144 Banks and Credit Unions

Default beneficiary. “the interest of a deceased individual owner will pass to the decedent's estate or Payable on Death (POD) beneficiary ... If there is no joint owner or beneficiary designation, we may hold the Account funds until we receive a proper court order or where there is no estate or probate proceeding, at our sole discretion, we may pay the funds to any heir” Page 10. Source document

If a beneficiary dies first. “upon the death of the last Account owner, such POD Account(s) are payable to any surviving named beneficiary(ies) as designated on your Signature Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship.” Page 12. Source document

Electronic signature. “You agree that no pen-upon-paper signature is necessary to authenticate your agreement with any document which is retained by the Credit Union, but that the Credit Union may rely upon an electronic version of the signature of any owner” Page 16. Source document

How to submit. “The owner may remove from ownership in the POD Account any or all beneficiaries at any time. ... To be binding on the Credit Union, such revocation must be in writing and accepted by us.” Page 12. Source document

Default beneficiary. “Single-Party Account - At the death of a party, ownership passes as part of the party's estate. ... Single-Party Account With Pay-on-Death Designation - At death of the party, ownership passes to the designated pay-on-death beneficiaries and is not part of the party's estate.” Page 11. Source document

Trust as beneficiary. “Beneficiaries may be an individual or a Trust.” Page 1, revision 2019-04, read from a Wayback Machine capture of 2026-07-06. Source document

Trust as contingent. “Alliant does not offer contingent beneficiaries.” Page 1, revision 2019-04, read from a Wayback Machine capture of 2026-07-06. Source document

Limit on beneficiaries. “you have more than five beneficiaries, you may obtain additional beneficiary” Page 2, revision 2019-04, read from a Wayback Machine capture of 2026-07-06. Source document

How to submit. “COMPLETE AGREEMENT AND RETURN ... Attn: Account Services ... Fax to: 773-462-2124” Page 1, revision 2019-04, read from a Wayback Machine capture of 2026-07-06. Source document

Trust as beneficiary. “If the payable-on-death beneficiary is a minor, charity or Trust, please call us at 1-877-247-2559 . Our customer care team will provide you with specific instructions related to your situation.” Web page. Source document

Trust as contingent. “there are no primary or contingent designations” Web page. Source document

Minor as beneficiary. “If the payable-on-death beneficiary is a minor, charity or Trust, please call us” Web page. Source document

If a beneficiary dies first. “Only beneficiaries living at the time all owners have died will be entitled to money in the account. If any of your designated beneficiaries die before you, we'll split the money they would've received between the surviving beneficiaries proportionally.” Page 10, revision 2026-08-15. Source document

Limit on beneficiaries. “You can choose up to 10 beneficiaries for each of your non-IRA accounts.” Page 1, revision 2023-06. Source document

Online designation. “You can only add a beneficiary to one account at a time, and there are no primary or contingent designations” Web page. Source document

How to submit. “Return this form using one of these methods: ... Log in at ally.com and select Email, or log in on the Ally Mobile app and select . Attach the form to your message. ... PO Box 951 ... Fax Number: 866-699-2969” Page 1, revision 2023-06. Source document

How to disclaim. “What if I'm a beneficiary and don't want money left in the account? Give us a call at 1-877-247-2559 and request a Disclaimer Form.” Web page. Source document

Custom designation. “We shall pay each then surviving POD an equal amount, unless you instructed us otherwise in writing (e.g., on the signature card, executed letter, or other acceptable form of written communication)” Page 8. Source document

Minor as beneficiary. “In the case of a minor beneficiary, the legal guardians of the minor should be the payee of the balance of the account (e.g., Jane Jetson and George Jetson as guardians for Susie Jetson, minor). A copy of the beneficiary's birth certificate should be obtained” Page 8. Source document

Default beneficiary. “If no beneficiary survives the account owner(s), sums on deposit belong to the estate of the last surviving account owner.” Page 8. Source document

If a beneficiary dies first. “we may pay any funds remaining in the account to the then surviving (if any) POD beneficiary(ies) ... A POD beneficiary may acquire an interest in the account at that time but only if the POD beneficiary is alive.” Page 8. Source document

Trust as beneficiary. “Use Form #211 to designate a Trust as the Payable on Death.” Page 1, form Form #40, read from a Wayback Machine capture of 2026-05-09. Source document

Trust as beneficiary. “Beneficiaries named on POD accounts must be individuals; POD accounts cannot be set up in the names of trusts.” Web page. Source document

Trust as contingent. “Beneficiaries named on POD accounts must be individuals; POD accounts cannot be set up in the names of trusts.” Web page. Source document

A class like "my children". “you must include their full name, date of birth, Social Security number, and address ... Beneficiaries named on POD accounts must be individuals” Web page, form CB-DAA-0126, revision 2026-01-05. Source document

Estate as beneficiary. “Beneficiaries named on POD accounts must be individuals” Web page. Source document

If a beneficiary dies first. “Upon your death (or in the case of a Joint Account, on the death of the last-surviving Joint Account owner), all of the funds in the Payable on Death Account will be owned by the beneficiary if then living. If there is more than one beneficiary, funds will be owned by the beneficiaries then living in equal shares.” Page 9, form CB-DAA-0126, revision 2026-01-05. Source document

How the spouse consents. “Spouse/Domestic Partner Signature (Community Property States): By signing below, I acknowledge that I have read the ... I relinquish all statutory and other community property and marital property rights” Page 2, form Beneficiary_Designation_Form_AENB_2023, revision 2023. Source document

Limit on beneficiaries. “Please note that you may designate up to six individuals as ... We reserve the right to limit the total number of beneficiaries you may designate on any Account.” Page 1, form Beneficiary_Designation_Form_AENB_2023, revision 2023. Source document

Online designation. “To update your beneficiaries quicker, and review your most current designations, please log in to your account at go.amex/savings. Click My Profile, then select Manage Beneficiaries.” Page 1, form Beneficiary_Designation_Form_AENB_2023, revision 2023. Source document

How to submit. “PLEASE SUBMIT REQUEST VIA FAX OR MAIL TO ONE OF THE FOLLOWING ... Click My Profile, then select Manage Beneficiaries.” Page 1, form Beneficiary_Designation_Form_AENB_2023, revision 2023. Source document

Trust as beneficiary. “You may designate one or more natural persons as payable on death ("POD") beneficiaries (up to five)” Page 10, form Deposit Account Agreement, revision 2026-07-17. Source document

Trust as contingent. “You may designate one or more natural persons as payable on death ("POD") beneficiaries (up to five)” Page 10, form Deposit Account Agreement, revision 2026-07-17. Source document

Estate as beneficiary. “You may designate one or more natural persons as payable on death” Page 10, form Deposit Account Agreement, revision 2026-07-17. Source document

Default beneficiary. “If all POD beneficiaries pass away before the last owner dies, in most cases, the proceeds of the account will be due to the estate of the final owner. ... In most cases, not naming a beneficiary means that the proceeds of your accounts will be paid to the estate” Web page. Source document

If a beneficiary dies first. “we will allocate any funds remaining in the applicable Account to the then surviving, if any, POD beneficiary(ies), in equal shares” Page 10, form Deposit Account Agreement, revision 2026-07-17. Source document

Limit on beneficiaries. “You may designate one or more natural persons as payable on death ("POD") beneficiaries (up to five)” Page 10, form Deposit Account Agreement, revision 2026-07-17. Source document

Online designation. “Online in the secure site on ameriprise.com (this is the only option available for Ameriprise Bank products.)” Web page. Source document

How to submit. “Online in the secure site on ameriprise.com (this is the only option available for Ameriprise Bank products.)” Web page. Source document

Processing time. “When updated online, your beneficiary information will show immediately on the secure site Beneficiaries page. ... you will receive a beneficiary confirmation letter within two to four weeks” Web page. Source document

Default beneficiary. “Upon the death of the individual Account owner, the funds will be released to the legal representative of the owner's estate or, if there is none, in accordance with applicable law.” Web page, form Deposit Account Agreement. Source document

If a beneficiary dies first. “If more than one POD beneficiary is designated, the funds belong to the surviving POD beneficiary(ies) equally, unless otherwise set forth on any applicable POD beneficiary designation form, with no right of survivorship. This means, for example, that where two POD beneficiaries survive the original Account holder, but one of the POD beneficiaries dies thereafter, the funds will be paid equally to the living POD beneficiary and to the estate of the deceased POD beneficiary.” Web page, form Deposit Account Agreement. Source document

How to submit. “To set up a POD beneficiary on your Account, ask your Associated Banker for the proper forms. ... upon written notice to the Bank” Web page, form Deposit Account Agreement. Source document

If a beneficiary dies first. “The beneficiary or beneficiaries must survive all owners to receive payment. Multiple beneficiaries will be paid in equal shares, except that the owners of retirement accounts may designate unequal” Page 5, form Consumer Deposit Account Agreement, revision 2025-08-11. Source document

How to submit. “You or any co-owner may change a beneficiary or beneficiaries at any time by notifying us in writing and giving us a reasonable opportunity to act on such writing.” Web page, form Consumer Deposit Account Agreement, revision 2025-08-11. Source document

If a beneficiary dies first. “The share of any beneficiary who predeceases the account Owner(s) will be paid to the remaining beneficiary or beneficiaries, if there are any.” Page 15, form Personal Deposit Account Agreement and Schedule of Fees, revision 2026-09-18. Source document

A class like "my children". “You must instruct us to list each POD beneficiary on the account ... payable on your death (or the death of the last surviving co-owner) to one or more payees named in the title of the account” Page 5, form Deposit Agreement and Disclosures, revision 2026-05-15. Source document

Default beneficiary. “If you do not meet these requirements, we may treat your account as though there is no POD beneficiary. ... If beneficiaries are named, funds will be made payable to the named beneficiaries on the account(s). ... If probate documents are presented, checks are made payable to the” Page 5, form Deposit Agreement and Disclosures, revision 2026-05-15. Source document

If a beneficiary dies first. “When the account owner or last co-owner dies, we may pay any funds remaining in the account to the then surviving (if any) POD beneficiary(ies). We may distribute the account balance, subject to any bank claims, to one or all surviving beneficiaries jointly, or payable individually, in equal shares, to each surviving beneficiary. ... the POD beneficiary must be alive to have an interest.” Page 5, form Deposit Agreement and Disclosures, revision 2026-05-15. Source document

Online designation. “In order to add, remove or update a payable on death (POD) beneficiary on your Bank of America account, you can visit the Your Beneficiary self-service pages” Web page. Source document

How to submit. “In order to add, remove or update a payable on death (POD) beneficiary on your Bank of America account, you can visit the Your Beneficiary self-service pages ... You may change, add or remove the name of any payee or beneficiary anytime by visiting a financial center and providing us with proper written notice. ... Beneficiary Addendum is to be completed by the account owner stating what party(s) are to receive the funds” Web page. Source document

Default beneficiary. “The trust account is not part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.” Web page, Bank OZK Texas P.O.D. and statutory trust account (Uniform Single-Party or Multiple-Party Account Selection Form). Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living ... If two or more beneficiaries who are natural persons are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, with right of survivorship.” Web page, Bank OZK Pay-On-Death deposit account (Arkansas Terms and Conditions of Your Account). Source document

Limit on beneficiaries. “You may name a single non-natural person as a beneficiary. Or, if all beneficiaries are natural persons, you may name one or more beneficiaries.” Web page, Bank OZK Pay-On-Death deposit account (Arkansas Terms and Conditions of Your Account). Source document

If a beneficiary dies first. “If more than one beneficiary is named in our records, they will share equally in the account proceeds.” Page 3, form Deposit Account Agreement, revision 2025-08. Source document

Default beneficiary. “If no beneficiary survives all of the account owners, then the account shall be treated as an individual account (if there is one surviving account owner) or as a joint account with right of survivorship ... On the death of the party, ownership passes as part of the party's estate.” Page 3, revision 2025-05. Source document

If a beneficiary dies first. “A beneficiary can only acquire withdrawal rights by surviving all of the account owners. If more than one named beneficiary survives all of the account owners, then the beneficiaries will be entitled to equal shares of the funds without right of survivorship, unless otherwise indicated.” Page 3, revision 2025-05. Source document

How to submit. “The account owner(s) may change the named beneficiaries at any time by written direction in a form acceptable to us.” Page 3, revision 2025-05. Source document

Default beneficiary. “If no beneficiary survives the party, then the account will be treated as a single party account in the name of the party. ... On the death of the party, ownership passes as part of the party's estate. ... If no beneficiary survives and there is only one surviving party, then the account will be treated as a single-party account and upon the death of that party, ownership passes as part of that party's estate.” Page 1, form DD8001. Source document

If a beneficiary dies first. “If one beneficiary survives the party, then ownership passes to the named beneficiary. If two or more beneficiaries survive the party, then they will be entitled to equal shares of the account without a right of survivorship, unless otherwise indicated. ... At the death of the last surviving party, ownership passes to the surviving POD beneficiaries and is not part of the last surviving party's estate.” Page 6, form DD8001. Source document

How to submit. “The party may change the named beneficiaries at any time by written direction in a form acceptable to us.” Page 6, form DD8001. Source document

If a beneficiary dies first. “If the account has multiple beneficiaries, each beneficiary that survived the decedent will receive an equal percentage and must submit a” Page 3. Source document

Trust as beneficiary. “The date of birth and Social Security number are not required for organizations (such as a trust or charity) being added as a beneficiary.” Web page. Source document

Trust documents. “One of the following documents to show proof of authority within the organization ... Trust Agreement” Page 1. Source document

A class like "my children". “Full name, date of birth and Social Security number for each person to be added or retained as a beneficiary.” Web page. Source document

Minor as beneficiary. “Use this form to claim funds on behalf of a beneficiary under the age of 18. ... Funds will be made payable to the beneficiary's name.” Page 1, read from a Wayback Machine capture of 2025-02-16. Source document

Estate as beneficiary. “Organization beneficiary information ... Letters Testamentary” Page 1. Source document

Default beneficiary. “property of the Payable on Death (POD) designee(s) or if there is no POD designated, it becomes the property of the deceased account owner's estate upon death.” Page 7, revision 2026-10-01. Source document

If a beneficiary dies first. “upon the death of the last Account Holder, the funds are payable to any designated and surviving POD beneficiary ... Each beneficiary on an account will receive the same percentage.” Page 8, revision 2026-10-01. Source document

Limit on beneficiaries. “To designate more than seven beneficiaries, you will need to print and complete multiple copies of the Designate Beneficiaries form and return them by mail or to any BECU location.” Web page. Source document

Online designation. “Complete the Designate Beneficiaries form online to add or change the beneficiaries on your BECU deposit accounts.” Web page. Source document

Electronic signature. “Electronically sign and submit the Designate Beneficiaries form using Docusign” Web page. Source document

How to submit. “Electronically sign and submit the Designate Beneficiaries form using Docusign ... You can mail it to the address provided on the form, or bring the completed and signed form, along with your photo ID, to any BECU location.” Web page. Source document

Processing time. “Please allow 10 business days to process your request upon BECU's receipt.” Page 1, revision 2025-07. Source document

If a beneficiary dies first. “If more than one Beneficiary is designated, each shall be entitled to equal, undivided interest in the funds in said Account as joint tenants, with right of survivorship and not as tenants in common” Page 3, form BOK8029, revision 2026-04. Source document

Default beneficiary. “If there are no eligible beneficiaries, title to the Account will vest in the estate of the last surviving owner.” Web page, revision 2026-03-01. Source document

If a beneficiary dies first. “Upon the death of all Account owners, the beneficiaries shown on the Account who survive the Account owners and/or who lawfully exist (for non-individuals) will become the owners of the Account. Upon our receipt of proof of death of all owners and additional documents required by us, the funds will be distributed to each beneficiary (or their representative or estate as applicable) who survives the owner.” Web page, revision 2026-03-01. Source document

How to submit. “You may change the designated beneficiary, but if you wish to do so, you must complete and sign a new signature card or complete other Account documentation, which names the new beneficiary.” Web page, revision 2026-03-01. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees” Page 5, revision 2025-07, read from a Wayback Machine capture of 2026-02-18. Source document

Trust as beneficiary. “Beneficiaries must be individuals and cannot be Trusts. ... You cannot list a Trust as a POD Beneficiary on any of your accounts.” Page 1, revision 2023-06-12. Source document

Trust as contingent. “Beneficiaries must be individuals.” Page 1, form beneficiary_10_25, revision 2025-09-03. Source document

Per stirpes. “Upon the death of all owners, the account(s) will only be paid to the Beneficiaries designated on this form. If multiple Beneficiaries are designated, funds will be divided equally between all Beneficiaries.” Page 3, form beneficiary_10_25, revision 2025-09-03. Source document

A class like "my children". “All information for each Beneficiary must be completed in full. ... Beneficiaries must be individuals with a valid Tax ID, date of birth and physical address within the United States” Page 2, form beneficiary_10_25, revision 2025-09-03. Source document

Refused wording. “Beneficiaries are not allowed on Trust, Commercial or Custodian accounts. ... Prior to account conversion, any previously added beneficiaries will be removed.” Page 2. Source document

If a beneficiary dies first. “If multiple Beneficiaries are designated, funds will be divided equally between all Beneficiaries.” Page 3, form beneficiary_10_25, revision 2025-09-03. Source document

Limit on beneficiaries. “A maximum of 10 beneficiaries may be added to each of your accounts.” Page 1, form beneficiary_10_25, revision 2025-09-03. Source document

Online designation. “Capital One Bank gives customers the ability to designate up to 10 individuals as POD beneficiaries on most types of deposit accounts.” Web page. Source document

Notary or medallion. “Signature & notarization ... To be completed by Notary” Page 3, form beneficiary_10_25, revision 2025-09-03. Source document

How to submit. “Fax or mail this form using the number or address below. You may also bring this completed form to a Capital One branch location to submit on your behalf. ... sign in to your Capital One Bank account online to designate or change the beneficiary(ies)” Page 1, form beneficiary_10_25, revision 2025-09-03. Source document

Default beneficiary. “If there is no surviving beneficiary upon the death of the last trustee, state law will determine ownership of the funds in the Account. ... If there is no surviving P.O.D. payee upon the death of the last owner, the proceeds shall vest in the estate of the last surviving Account Holder of the Account.” Page 6, form Deposit Account Agreement (Consumer and Business Accounts), revision 2025-11. Source document

If a beneficiary dies first. “Where there are two or more beneficiaries, the Account belongs to the beneficiary(ies) who survive all the trustees. ... If there is more than one surviving P.O.D. payee, the payees shall hold the Account in equal shares as Tenants in Common with no right of survivorship. ... upon the death of a surviving P.O.D. payee, any remaining P.O.D. payee will not own any portion of the deceased payee's share of the Account.” Page 7, form Deposit Account Agreement (Consumer and Business Accounts), revision 2025-11. Source document

How to submit. “may, by written direction to us, change the P.O.D. payee(s) under the Account” Page 7, form Deposit Account Agreement (Consumer and Business Accounts), revision 2025-11. Source document

Default beneficiary. “In the absence of such designation, distribution will be determined pursuant to the Indiana Transfer on Death Property Act (IC 32-17-14).” Page 6. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. Distribution to beneficiaries will be determined according to the most recent designation on file.” Page 6. Source document

How to submit. “Change of beneficiaries or account type requires signature of all person(s) creating this account.” Page 6. Source document

Default beneficiary. “If there is no surviving beneficiary upon the death of the last trustee, state law will determine ownership of the funds in the account.” Page 1, form DCL-001, revision 2023-07-01, read from a Wayback Machine capture of 2024-05-17. Source document

If a beneficiary dies first. “Accounts that are held in an informal trust for the benefit of others pass automatically (and in equal shares unless otherwise indicated in our records) to the named beneficiaries who survive the last surviving owner.” Page 3, form DCL-001, revision 2023-07-01, read from a Wayback Machine capture of 2024-05-17. Source document

How to submit. “the trustee may withdraw money from the account and may, by written direction to us, change the beneficiary for the account.” Page 1, form DCL-001, revision 2023-07-01, read from a Wayback Machine capture of 2024-05-17. Source document

Trust as beneficiary. “Primary Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)” Page 5, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Trust as contingent. “Contingent Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

How to name the trust. “Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)” Page 5, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Per stirpes. “You may select either a per stirpes distribution or a per capita distribution.” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Per stirpes defined. “Per stirpes and per capita distributions are limited to your named beneficiary's(ies') children and no further descendants.” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Per capita. “Please select either a per stirpes or a per capita distribution option. Only one option may be selected per account.” Page 5, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

A class like "my children". “changed or cancelled by you. Your designation of named individuals who ... may be in the same class as other individuals (e.g., your children or ... grandchildren) will not include the other unnamed members of that same” Page 11, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Custom designation. “You must designate your beneficiaries in ... writing on the form provided. ... Schwab will not honor any change of beneficiary made in a will or trust” Page 11, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Minor as beneficiary. “Directions for Distribution(s) of Assets to Minor Beneficiaries ... the assets shall be transferred under the Uniform Transfers to Minors Act ("UTMA") or the Uniform Gifts to Minors Act ("UGMA")” Page 9, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Estate as beneficiary. “Trust/Organization/Estate (If Trust, include full Trust name.)” Page 5, form AEM11527257, revision 2025-03, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Default beneficiary. “If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

If a beneficiary dies first. “the remaining portion will be divided proportionately among any surviving Contingent Beneficiaries. Any beneficiary who does not survive me by 120 hours will be considered to have passed away before me.” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Spousal consent. “If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.” Page 3, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Effect of divorce. “Changes in the relationship between the account holder(s) and any designated beneficiary, including, but not limited to, subsequent marriage, dissolution of marriage, remarriage, or adoption, will not automatically add or revoke designations of beneficiaries. ... the former spouse will remain a beneficiary after the dissolution unless you revoke” Page 13, form AEM11527257, revision 2025-03, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Limit on beneficiaries. “If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this” Page 9, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Online designation. “indicate additional designation options, please visit www.schwab.com/beneficiaries.” Page 5, form APP12439-17, revision 2023-08, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Electronic signature. “All account holders must sign in black or blue ink only.” Page 3, form AEM11527257, revision 2026-07, Schwab Bank deposit accounts other than Investor Checking, POD (Schwab Bank Designated Beneficiary Plan Application). Source document

How to submit. “Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch” Page 8, form AEM10603357, revision 2026-03, Schwab Bank Investor Checking POD (Designated Beneficiary Plan). Source document

Trust as beneficiary. “POD beneficiaries for this account must be natural persons (individuals) with a US social security number.” Page 1, form non-agility POD beneficiary designation form. Source document

Trust as contingent. “POD beneficiaries for this account must be natural persons (individuals)” Page 1, form non-agility POD beneficiary designation form. Source document

A class like "my children". “by designating one or more individuals as POD beneficiaries below. POD beneficiaries for this account must be natural persons (individuals) with a US social security number.” Page 1, form non-agility POD beneficiary designation form. Source document

Refused wording. “POD beneficiaries for this account must be natural persons (individuals) with a US social security number.” Page 1, form non-agility POD beneficiary designation form. Source document

Custom designation. “Designation of or changes to any POD beneficiaries must be in writing on a form approved by the bank and signed by all account owners.” Page 1, form non-agility POD beneficiary designation form. Source document

Estate as beneficiary. “POD beneficiaries for this account must be natural persons (individuals) with a US social security number.” Page 1, form non-agility POD beneficiary designation form. Source document

Default beneficiary. “If no POD beneficiary is living at the time of the death of the last surviving account owner, the proceeds of the account will pass to the estate of the last surviving account owner” Page 1, form non-agility POD beneficiary designation form. Source document

If a beneficiary dies first. “Upon the death of all owners of the account, the balance in the account is payable to the surviving POD beneficiaries or their legal representatives” Page 1, form non-agility POD beneficiary designation form. Source document

Limit on beneficiaries. “You may add up to six (6) POD beneficiaries on your account using this form.” Page 1, form non-agility POD beneficiary designation form. Source document

Online designation. “Designation of or changes to any POD beneficiaries must be in writing on a form approved by the bank and signed by all account owners.” Page 1, form non-agility POD beneficiary designation form. Source document

How to submit. “Please mail this form back to us using the enclosed return envelope or using the following mailing address. ... Please do not send this form via email” Page 2, form non-agility POD beneficiary designation form. Source document

Trust as beneficiary. “is an Individual or Joint account where the owner(s) designate one or more persons or entities (beneficiaries) to receive the funds in the account upon the death of the last surviving account owner.” Page 34, form Consumer Deposit Account Agreement U.S. Markets, revision 2023-08-19. Source document

Refused wording. “Informal Trusts are not permitted for checking accounts.” Page 34, form Consumer Deposit Account Agreement U.S. Markets, revision 2023-08-19. Source document

If a beneficiary dies first. “If more than one beneficiary is named in our records, they will share equally in the account proceeds.” Page 34, form Consumer Deposit Account Agreement U.S. Markets, revision 2023-08-19. Source document

How to submit. “To change the beneficiary, all account owners must sign our documentation naming the new beneficiary.” Page 34, form Consumer Deposit Account Agreement U.S. Markets, revision 2023-08-19. Source document

Trust as beneficiary. “the Trustee acting on behalf of the Payable on Death Trust Beneficiary ... If the Payable on Death Beneficiary is a Trust, a copy of the pertinent pages of the Trust Agreement” Page 1, form JCB270. Source document

Trust documents. “If the Payable on Death Beneficiary is a Trust, a copy of the pertinent pages of the Trust Agreement showing the trust name, date, name of the trustee(s), trust powers and signature pages - additional pages may be required upon review. ... Certified full trust agreement if TRUST is the designated beneficiary” Page 1, form JCB270. Source document

Default beneficiary. “If no beneficiary is living at the date of your death or the death of the surviving trustees, we shall pay such account balance to your estate or the estate of the surviving trustees.” Page 19, form OV1161659, revision 2025-10. Source document

If a beneficiary dies first. “These accounts pass automatically (and equally unless allocations have been adjusted by an account owner) to the named beneficiaries who survive the death of the last surviving account owner ... There is no right of survivorship between beneficiaries.” Page 19, form OV1161659, revision 2025-10. Source document

Default beneficiary. “When the owner dies, ownership of funds in the account passes as part of the owner's estate to the owner's successor in interest under the owner's Last Will or by intestacy unless you have indicated a beneficiary by a "pay on death" instruction” Page 5, form 66503E, revision 2026-04, Pay-on-death instruction on individual, joint or sole proprietorship deposit accounts. Source document

If a beneficiary dies first. “When the last trustee dies, the balance in the account is paid to the surviving named beneficiary or, if there is more than one surviving beneficiary, to the beneficiaries in equal shares, unless we are otherwise instructed by the trustee in writing prior to the death of the trustee or last surviving trustee.” Page 5, form 66503E, revision 2026-04, Bank Account Trust (Totten trust, "in trust for"). Source document

How to submit. “Clients who maintain individual, joint tenancy or sole proprietorship accounts may designate a "pay-on-death" beneficiary or beneficiaries on a form provided by us.” Page 5, form 66503E, revision 2026-04, Pay-on-death instruction on individual, joint or sole proprietorship deposit accounts. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 2, form D10019-E. Source document

Default beneficiary. “Upon the ... death of any party, the ownership interest of that party passes to the named pay-on- ... death payee(s) of that party or, if none, to the estate of that party.” Page 4. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons ... creating the Account die, and (2) the beneficiary is then living. If two or more ... beneficiaries will own this Account in equal shares, without right of survivorship.” Page 4. Source document

If a beneficiary dies first. “Where there are two or more P.O.D. payee(s), the Account will belong to the payee(s) who survive all Account Holders. Unless otherwise specifically stated in the Account by the Account Holders, each surviving P.O.D. payee will own an equal share of the Account.” Page 10, revision 2014-08-05, read from a Wayback Machine capture of 2016-08-28. Source document

Trust as beneficiary. “An account where the account owner names one (1) or more parties as beneficiaries is considered a Payable on Death Account” Page 11, form CB5965, revision 2021-10. Source document

Per stirpes. “If a beneficiary dies before the account owner(s), neither that beneficiary's heirs nor estate have any interest in the funds upon the death of the account owner(s).” Page 11, form CB5965, revision 2021-10. Source document

If a beneficiary dies first. “If two (2) or more beneficiaries are named and survive the death of all owners, these beneficiaries will own the funds in equal shares, without right of survivorship. If a beneficiary dies before the account owner(s), neither that beneficiary's heirs nor estate have any interest in the funds upon the death of the account owner(s).” Page 11, form CB5965, revision 2021-10. Source document

If a beneficiary dies first. “Beneficiaries acquire the right to withdraw only if: (1) all persons creating the account are deceased, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.” Page 4, revision 2024-04-19. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. ... the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 1, form D1001A-E. Source document

If a beneficiary dies first. “The beneficiaries cannot withdraw funds from the account unless all of you die and the beneficiary is then living. If two or more beneficiaries survive, the Bank will pay the funds in account in equal shares to the beneficiaries.” Web page. Source document

If a beneficiary dies first. “upon the death of the last surviving account owner, the funds in the account are payable to all surviving POD beneficiaries” Page 2, revision 2026-05-12. Source document

Minor as beneficiary. “The Bank will not pay a balance in the Account over $1,000 directly to a minor or minors. The Bank, at its discretion, may pay balances up to $10,000 to a parent or parents of a minor or minors. Otherwise, the Bank will pay balances owing to a minor only to a court-appointed guardian for such minor.” Page 60, form WM23015119, revision 2023-08-15. Source document

If a beneficiary dies first. “In the event of multiple beneficiaries, the balance will be divided equally between or among the named beneficiaries. ... If all beneficiaries predecease the Account owners, the Account shall become an individual Account of the Account owner if he or she is the sole remaining Account owner” Page 60, form WM23015119, revision 2023-08-15. Source document

If a beneficiary dies first. “DCU may pay any funds remaining in the Account, or Totten membership, to the then surviving (if any) POD beneficiary(ies) ... If more than one beneficiary is surviving at the time of distribution, DCU shall distribute the funds in the Account, or in the entire Totten membership, to the surviving beneficiaries in equal shares.” Page 8, form M937, revision 2026-05. Source document

Custom designation. “Unless the trustee expressly revokes, terminates, or modifies the trust account in the trustee's will, then when the trustee dies, the account will be owned by the named beneficiary or beneficiaries.” Page 13, form Deposit Account Agreement, revision 2024-06-01. Source document

Minor as beneficiary. “We may refuse to honor checks or transfer instructions issued by minor (under 18 years of age) beneficiaries of a payable on-death account ... At our option, funds held in an account for the benefit of a minor may be paid to the minor; or to the minor and the minor's parent(s), guardian or other legal representative” Page 21, form Deposit Account Agreement, revision 2024-06-01. Source document

Default beneficiary. “The trust account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.” Page 14, form Deposit Account Agreement, revision 2024-06-01. Source document

If a beneficiary dies first. “If there is more than one beneficiary, each will receive an equal share of the funds unless you have given us other specific written instructions. ... The death of the beneficiary, prior to your death, revokes the trust.” Page 12, form Deposit Account Agreement, revision 2024-06-01. Source document

How to submit. “may, by written direction to us, change the beneficiary under the account ... You can arrange to change the beneficiary during your lifetime by contacting your branch of account.” Page 12, form Deposit Account Agreement, revision 2024-06-01. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiary/payee. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship.” Page 1, read from a Wayback Machine capture of 2021-03-01. Source document

Minor as beneficiary. “If the beneficiary, entitled to payment hereunder, is a minor at the time of your death(s), the Bank is authorized to (a) withhold payment of such minor's share and to pay the same when the Bank is presented satisfactory proof that the minor has reached majority age, which for the purposes of this designation is defined as twenty-one (21) years of age, (b) pay such minor's share to a duly appointed guardian of the property of such minor, or (c) if the funds are equal to or less than $10,000, pay such funds to the parent or parents of such minor” Web page. Source document

If a beneficiary dies first. “After your death, the Bank is hereby authorized and directed to pay the entire balance on deposit in the account to such beneficiary designated herein, so long as said beneficiary shall survive you. ... If said beneficiary survives you but dies before such payment is made, the Bank is authorized and directed to pay the share of such beneficiary to the legal representative of such beneficiary's estate, or to the spouse or children of the beneficiary if permitted by law.” Web page. Source document

Default beneficiary. “If the account is a single party account the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary” Page 2, revision 2026-07-13. Source document

If a beneficiary dies first. “upon the death of the last account owner, payable to any named and surviving POD or trust beneficiary ... If an account is payable to more than one beneficiary, the account is jointly owned by such beneficiaries without rights of survivorship.” Page 2, revision 2026-07-13. Source document

How to submit. “named and surviving POD or trust beneficiary or Successor Trustee designated on your Signature Card, Affidavit of Trust, or other trust documentation on file with us ... Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed form” Page 2, revision 2026-07-13. Source document

Refused wording. “Do not use this form for IRAs or Trust accounts. ... If you inadvertently include an IRA or Trust account ... number in Section 1 above, the designation will be a void and ineffective designation.” Page 1, form 25MCM0295, revision 2025-10. Source document

Default beneficiary. “Individual account without a POD beneficiary designation. Upon death of account holder, the asset passes as part of the ... account holder's estate.” Page 1, form 25MCM0295, revision 2025-10. Source document

If a beneficiary dies first. “The balance in the above listed account(s) will be paid in equal shares to each surviving beneficiary.” Page 1, form 25MCM0295, revision 2025-10. Source document

Limit on beneficiaries. “(If you have more than 4 beneficiaries, copy this page as needed and return with this form.)” Page 1, form 25MCM0295, revision 2025-10. Source document

Online designation. “Note: Beneficiaries can also be managed online if enrolled in online banking.” Page 1, form 25MCM0295, revision 2025-10. Source document

Electronic signature. “may accept documents that you have signed and sent to us ... by electronic means, like email, or other file transmittal processes we might offer. ... the document is binding on the signer even ... if the original signed document is not delivered to us.” Page 2, form 25MCM0295, revision 2025-10. Source document

How to submit. “Upload this form and any additional documentation so that we can move forward in the quickest and most secure way. ... Note: Beneficiaries can also be managed online if enrolled in online banking.” Page 1, form 25MCM0295, revision 2025-10. Source document

Processing time. “Valid designations are effective at the time they are submitted ... the remaining valid designations on this form will take effect ... immediately upon submission.” Page 1, form 25MCM0295, revision 2025-10. Source document

Default beneficiary. “I do not wish to designate Payable on Death Beneficiaries at this time; account ownership will pass to my estate. ... If no beneficiary is elected, ownership passes as part of the party's estate.” Page 2. Source document

Notary or medallion. “If this document is not completed in front of a FAIRWINDS Representative, a notary is required to ensure validity.” Page 2. Source document

How to submit. “Option 1: Visit any of our branch locations. ... Option 2: Call us at 1.800.443.6887. ... Option 3: Print page 2, sign in the presence of a notary, and send back by mail” Page 1. Source document

A class like "my children". “Name ... Relation ... Social ... Date of Birth” Page 1. Source document

If a beneficiary dies first. “Upon the death of the Owner(s), these funds shall be owned by the Beneficiaries in the percentages listed below. ... Should any Beneficiary predecease the Owners, all rights and privileges of the deceased Beneficiary in this account shall terminate and the deceased Beneficiary's interest in the account shall be divided equally among the remaining Beneficiaries.” Page 1. Source document

How to submit. “To be binding on the Credit Union, such revocation must be in writing and in a form acceptable to the Credit Union.” Page 1. Source document

If a beneficiary dies first. “upon the death of the last account owner, such POD account is payable to any named and surviving POD beneficiary designated on your Account Card. Accounts payable to more than one surviving POD beneficiary are owned jointly by such beneficiaries with rights of survivorship, not owned as tenants in the entirety nor owned as tenants in common” Page 2. Source document

Online designation. “Any POD designation must be written on our account form and accepted by us. ... any change or revocation of POD beneficiaries must be written on our account form and accepted by us” Page 2. Source document

How to submit. “Any Account Owner may change (or revoke)any or all POD beneficiaries at any time ; provided that any change or revocation of POD beneficiaries must be written on our account form and accepted by us” Page 3. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless all individual(s) creating the Account die and the beneficiary is then living. If two or more beneficiaries are named and survive the death of all individual(s) creating the Account, such beneficiaries will own this Account in equal shares, without right of survivorship.” Page 12, revision 2025-07-01, read from a Wayback Machine capture of 2026-02-10. Source document

If a beneficiary dies first. “Payable-On-Death Account - Beneficiaries cannot withdraw unless: (1) all ... persons creating the account die, (2) the beneficiary is then living ... or more beneficiaries are named and survive the death of all persons creating ... the account, beneficiaries will own this account in equal shares, without right” Page 3, form RT-26-2211. Source document

Trust as beneficiary. “In accordance with the laws in some states, we may restrict your designation of POD payees to natural persons and/or to limited entities such as trusts or non-profit organizations.” Page 9, form Deposit Account Agreement. Source document

Minor as beneficiary. “Payment to minor beneficiaries is subject to state law requirements.” Page 9, form Deposit Account Agreement. Source document

Default beneficiary. “If all applicable requirements are not satisfied, we may treat your account as an individual/joint account without any trust or payable on death feature, and upon the death of the last surviving account owner, we may disburse the funds to the last surviving account owner's estate” Page 9, form Deposit Account Agreement. Source document

If a beneficiary dies first. “Upon the death of the last surviving account owner, the account balance belongs to the surviving beneficiaries, who then hold the account balance as joint tenants without right of survivorship unless applicable state law requires otherwise” Page 9, form Deposit Account Agreement. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.” Page 2, read from a Wayback Machine capture of 2014-10-20. Source document

Default beneficiary. “If the account owner dies, the owner's interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary or trust beneficiary ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir, who will be solely responsible for any further distribution of the funds.” Page 4, form FI19817, revision 2026-02. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to any named, living POD beneficiary. Sums payable to more than one surviving beneficiary shall be distributed equally to each beneficiary, and neither beneficiary shall be entitled to the other's interest upon that beneficiary's death.” Page 4, form FI19817, revision 2026-02. Source document

How to submit. “Any owner may change any beneficiary designation upon written notice to us, on a form approved by us.” Page 4, form FI19817, revision 2026-02. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all account holders die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all account holders, beneficiaries will own this account in equal shares, without right of survivorship.” Page 4, form EMDAIB35, revision 2024-08. Source document

Default beneficiary. “The trust Account does not become part of your estate and does not pass under your will or by intestacy, unless you were to survive all of the beneficiaries and all other trustees.” Web page, form Deposit Account Agreement and Other Disclosures, revision 2025-07-01. Source document

If a beneficiary dies first. “On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary.” Web page, form Deposit Account Agreement and Other Disclosures, revision 2025-07-01. Source document

If a beneficiary dies first. “there shall be no such right of survivorship with respect to multiple trust beneficiaries or P.O.D. payees who become parties to the account” Page 9, form Rules and Regulations for Deposit Accounts, revision 2026-03-02. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.” Page 7, form EMTAIB31, revision 2022-06-01. Source document

How to submit. “To change the ownership or beneficiaries of the account, all owners must provide us written consent to the change in ownership or beneficiaries.” Page 10, form EMTAIB31, revision 2022-06-01. Source document

Trust as beneficiary. “Beneficiary Type: Individual Person Entity (trust, estate, charity, etc.)” Page 3. Source document

Trust documents. “Trustees must provide a copy of trust documents.” Page 5. Source document

A class like "my children". “enter the name, date of birth (if the beneficiary is an individual), Tax Identification Number (Social Security Number, Individual Tax Identification Number, or Employer Identification Number), and address of each designated beneficiary” Page 3. Source document

Estate as beneficiary. “Beneficiary Type: Individual Person Entity (trust, estate, charity, etc.)” Page 3. Source document

If a beneficiary dies first. “Accounts funds are payable only upon the death of the member and all other joint owners of the account to the surviving designated beneficiaries in equal shares” Page 3. Source document

Trust as beneficiary. “You may not designate an individual who is not a citizen or legal permanent resident of the United States or a trust or legal entity as a beneficiary.” Page 3, form Deposit Account Agreement, revision 2025-06-27. Source document

Trust as contingent. “You may not designate ... a trust or legal entity as a beneficiary.” Page 3, form Deposit Account Agreement, revision 2025-06-27. Source document

Per stirpes. “If there is more than one beneficiary, they will be paid in equal shares. ... the funds will be paid to the surviving beneficiaries” Page 3, form Deposit Account Agreement, revision 2025-06-27. Source document

Refused wording. “You may not designate an individual who is not a citizen or legal permanent resident of the United States or a trust or legal entity as a beneficiary. We may remove a POD designation that does not” Page 3, form Deposit Account Agreement, revision 2025-06-27. Source document

If a beneficiary dies first. “If there is more than one beneficiary, they will be paid in equal shares. ... If a beneficiary dies before the last surviving owner on an Account, then upon the death of the last surviving owner on the Account, the funds will be paid to the surviving beneficiaries.” Page 3, form Deposit Account Agreement, revision 2025-06-27. Source document

Limit on beneficiaries. “You may designate one or more beneficiaries (up to six) to receive the funds upon your death” Page 2, form Deposit Account Agreement, revision 2025-06-27. Source document

Minor as beneficiary. “if any POD beneficiary is not of legal age at the time the account is to be paid to the POD beneficiary hereunder, then the credit union may, in its discretion, pay said amounts to any one parent or legal guardian of such POD beneficiary or as otherwise allowed by Applicable Law” Page 2, form FI19414, revision 2026-06. Source document

Default beneficiary. “If all named POD beneficiaries pre-decease the account owner(s) the applicable funds shall be paid to the estate of the last surviving account owner. ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir” Page 2, form FI19414, revision 2026-06. Source document

If a beneficiary dies first. “payable to any named and surviving beneficiary(ies) (POD beneficiary(ies)) ... The share of any beneficiary who predeceases the account owner will be split equally among the remaining living POD beneficiaries.” Page 2, form FI19414, revision 2026-06. Source document

Default beneficiary. “If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary” Page 1, form D1001F-E. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless Florida law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship” Page 1, form D1001F-E. Source document

Limit on beneficiaries. “If designating more than two beneficiaries, please complete additional forms as necessary.” Page 1, revision 2012-08. Source document

How to submit. “If mailing form, please include a current copy of your photo ID for processing purposes.” Page 1, revision 2012-08. Source document

Default beneficiary. “If the account owner dies, the owner's interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary or trust beneficiary ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir” Page 3, form FI19739, revision 2020-04. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to any named, living POD beneficiary. Sums payable to more than one surviving beneficiary shall be distributed equally to each beneficiary, and neither beneficiary shall be entitled to the other's interest upon that beneficiary's death.” Page 3, form FI19739, revision 2020-04. Source document

How to submit. “Any owner may change any beneficiary designation upon written notice to us, on a form approved by us.” Page 3, form FI19739, revision 2020-04. Source document

Refused wording. “A "Payable on Death" affidavit must be completed in order to establish a "Payable on Death" account. All "Payable on Death" accounts are subject to Louisiana law, including inheritance laws.” Page 11, form Deposit Agreement (200974356-010). Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, (2) the beneficiary is then living ... If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.” Page 11, form Deposit Agreement (200974356-010). Source document

Default beneficiary. “On the death of the last surviving trustee, the ownership of the account passes to the beneficiary. The trust account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.” Page 18, revision 2025-07-01. Source document

If a beneficiary dies first. “these accounts pass automatically (and in equal shares unless otherwise indicated in our records) to the named beneficiaries who survive the last surviving owner. ... Upon the death of the last surviving owner, the account funds pass to the surviving beneficiary or beneficiaries.” Page 17, revision 2025-07-01. Source document

A class like "my children". “Please accept this letter as my written request to add the person below as the ... Beneficiary/POD Designee Name” Page 1. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.” Web page. Source document

If a beneficiary dies first. “If there are two or more Beneficiaries living at the death of the Owner (or the last surviving Owner if applicable), they will share in the Account in the proportions designated above. Should a Beneficiary die prior to the last to survive of the Owner(s), such Beneficiary's given percentage of interest in the Account shall be divided equally amongst all surviving Beneficiaries.” Page 2, form HLB165, revision 2015-01, read from a Wayback Machine capture of 2015-09-06. Source document

Online designation. “To establish this type of deposit Account payable to a third party upon your death, you must execute and deliver to Helm a separate Pay-on- Death/Transfer-On-Death agreement in the form required by Helm.” Page 11, revision 2026-09-01. Source document

Notary or medallion. “The attached Fiduciary Account Change Beneficiary Form must be completed and notarized by a Notary Public at either an HSBC Wealth Center or through external notary service.” Page 2, form HSBC MDA for Consumer Accounts, revision 2019-07-25. Source document

How to submit. “All completed and notarized documents must be returned by mail to:” Page 2, form HSBC MDA for Consumer Accounts, revision 2019-07-25. Source document

Trust as beneficiary. “Can a trust be a beneficiary? Yes, as long as a trust is not an owner of the account.” Web page. Source document

Trust documents. “Can a trust be a beneficiary? Yes, as long as a trust is not an owner of the account. You will need to provide the Certificate of Trust.” Web page. Source document

A class like "my children". “What You'll Need for Each POD Beneficiary ... Full legal name ... Date of birth ... Relationship to you” Web page. Source document

Minor as beneficiary. “Can a minor be a beneficiary? Yes, but additional steps may apply depending on the situation” Web page. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship” Page 5, revision 2025-03. Source document

Notary or medallion. “If you prefer to complete the form outside the branch, it must be notarized unless you sign during an ICCU VideoChat session, which satisfies our witnessing requirement” Web page. Source document

How to submit. “Submit a new POD designation. This will revoke and replace any prior designation. You can do this via VideoChat or at any branch” Web page. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees” Page 2, form D1001F-E. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries ... Upon the death of the last account owner, if there is more than one (1) surviving beneficiary ... without rights of survivorship” Page 1, form D10018, read from a Wayback Machine capture of 2021-09-26. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 4, form DXPP02-E, revision 2024-10. Source document

If a beneficiary dies first. “If the Account Designation shows a payable on death status, any ... Beneficiary has rights to the Account only if alive and only if the Settlor ... is deceased. If the Beneficiary dies before the Settler, the Trust is ... terminated.” Page 1, revision 2008-11. Source document

How to submit. “The Settlor may change the Beneficiary at any time by ... providing Us adequate proof of such change in a manner acceptable to” Page 1, revision 2008-11. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 2, form D1001F-E. Source document

If a beneficiary dies first. “If we receive proof you've died, we may pay the balance of the account to the surviving beneficiary or beneficiaries you designated. ... Multiple beneficiaries will be paid in equal shares unless our records provide otherwise.” Page 6, form Deposit Account Agreement, revision 2026-06-14. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the ... account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the ... death of all persons creating the account, beneficiaries will own this account in equal shares, without ... right of survivorship.” Page 6, revision 2020-02. Source document

How to submit. “Account changes requested by you, or any account owner, such as adding or closing an account or service, must ... be evidenced by a signed Account Change form, and accepted by us.” Page 10, revision 2020-02. Source document

Default beneficiary. “If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary” Page 1, form D1001F-E. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship” Page 1, form D1001F-E. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document” Page 8, form D1001F-E. Source document

Limit on beneficiaries. “You may designate up to three primary and three contingent beneficiaries per account when using the M1 Beneficiary Form.” Web page. Source document

Online designation. “Pay on Death (POD): High-Yield Savings Account (through B2 Bank, N.A.) ... Add the same Beneficiaries to all eligible M1 accounts” Web page. Source document

How to submit. “Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings.” Web page. Source document

Default beneficiary. “Single-Party Account - At the death of a party, ownership passes as part of the party's estate. ... Single-Party Account With Pay-on-Death Designation - At death of the party, ownership passes to the designated pay-on-death beneficiaries and is not part of the party's estate.” Page 4. Source document

If a beneficiary dies first. “Upon the death of the last surviving owner, the account funds pass to the surviving designated beneficiaries. If there is more than one surviving designated beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the owner(s) in writing. ... A designated beneficiary must survive the death of all account owners to receive any interest in the account funds.” Page 3, form MKT10000 v3, revision 2026-03-23. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving Payable on Death beneficiaries/payees. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees.” Page 1, form D09DE1, read from a Wayback Machine capture of 2021-08-27. Source document

Online designation. “Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.” Page 1, form D09DE1, read from a Wayback Machine capture of 2021-08-27. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card or other document” Page 6, form D09DE1, read from a Wayback Machine capture of 2021-08-27. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.” Page 6, form MNB505, read from a Wayback Machine capture of 2026-01-04. Source document

If a beneficiary dies first. “payable to all and surviving POD or trust beneficiaries/payees. If there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship upon the death of the last account owner.” Page 1, form D10015, revision 2007-03. Source document

How to submit. “Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed Account Change Card and accepted by us.” Page 5, form D10015, revision 2007-03. Source document

If a beneficiary dies first. “payable on the death of the last Account owner to one or more designated POD beneficiaries, if living, and if not living, to the named estate of the beneficiary. If more than one beneficiary is designated by the Account owner(s), the beneficiaries, if living, and if not living, the named estate of the beneficiaries, shall share equally” Page 1, form Account Agreement and Disclosure, revision 2023-11. Source document

Default beneficiary. “Single-Party Account - At the death of a party, ownership passes as part of the party's estate.” Page 3, form EFLAIB31, revision 2019-08-01. Source document

If a beneficiary dies first. “Upon the death of the last surviving owner, the account funds pass to the surviving beneficiaries. If there is more than one surviving beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the owner(s) in writing.” Page 17. Source document

Trust as beneficiary. “Legal Trust/Charity Name (Required) ... If a Legal Trust is named as Primary Beneficiary, Contingent Beneficiary(ies) shall not receive proceeds unless the Legal Trust was properly terminated or revoked prior to the Primary Member's death.” Page 1. Source document

Trust as contingent. “H. Contingent Beneficiary Information ... Legal Trust/Charity Name (Required)” Page 1. Source document

A class like "my children". “Beneficiaries cannot be added without the full name, address, date of birth, and Social Security number.” Page 1. Source document

If a beneficiary dies first. “Upon the death of a Primary Beneficiary (prior to the death of the member) ... the deceased Primary Beneficiary's percentage share will be shared equally ... among any surviving Primary Beneficiaries. ... Distributions will be made to Contingent Beneficiary(ies), only if all Primary” Page 2. Source document

Limit on beneficiaries. “If more than five beneficiaries are needed, continue on a second copy of this page (section E) and” Page 1. Source document

How to submit. “Mobile or Online Banking: Attach form via eMessage ... Fax to Navy Federal at 703-206-3724 ... Visit local branch ... Mail form to PO Box 3002, Merrifield, VA 22116-9887” Page 1. Source document

Default beneficiary. “Single-Party Account - At the death of a party, ownership passes as part of the party's estate.” Page 5, revision 2026-05, read from a Wayback Machine capture of 2026-09-20. Source document

Minor as beneficiary. “the beneficiary on the Account ... (or the beneficiary's legal representative if the beneficiary is a minor)” Page 10, form Deposit Account Agreement & Disclosure. Source document

If a beneficiary dies first. “A beneficiary on a POD Account cannot make withdrawals unless: (i) all Account owners die, and (ii) the beneficiary is then living.” Page 10, form Deposit Account Agreement & Disclosure. Source document

Default beneficiary. “For individual accounts, when the owner dies, the owner's interest will pass subject to applicable law, to the payable-on-death (POD) beneficiary or to the owner's estate, if applicable.” Page 5, revision 2026-04-01. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to any named and surviving POD payee. Accounts payable to more than one POD payee are owned jointly and equally, unless otherwise designated, by such beneficiaries with rights of survivorship.” Page 5, revision 2026-04-01. Source document

How to submit. “Most account forms can be sent back to us via online banking, paper mail, or taken to a branch. ... Designation of Beneficiary (PDF)” Web page. Source document

Minor as beneficiary. “If any beneficiary is not of legal age at the time the account(s) are to be paid to beneficiaries hereunder, then we will make a check payable to the named beneficiary and deliver it to the person who presents themselves to be the parent or legal guardian of such beneficiary or as otherwise allowed by applicable law” Page 17, read from a Wayback Machine capture of 2024-03-04. Source document

Default beneficiary. “Payable on Death accounts are ... meaning that if all named POD beneficiaries pre-decease the owner(s) the applicable funds shall be paid to the estate of the last surviving owner” Page 17, read from a Wayback Machine capture of 2024-03-04. Source document

How to submit. “Either owner, during their lifetime, may change any designated beneficiary by written direction to us.” Page 17, read from a Wayback Machine capture of 2024-03-04. Source document

Trust as beneficiary. “You can list your trust as the beneficiary of your primary share and IRAs by completing form 13 (for the Share) and form 732 (for the IRA). ... You can list your Trust as the beneficiary of your primary Share and IRA accounts by completing a Signature Card (Form 13) for a Share account” Page 1, form 1378, revision 2016-06. Source document

Default beneficiary. “Individual: Upon your death, the account passes as part of your estate under your will, trust, or by intestacy.” Page 1, revision 2025-07, read from a Wayback Machine capture of 2025-11-04. Source document

How to submit. “Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server ... Securely upload, mail or fax your forms to PenFed.” Web page, read from a Wayback Machine capture of 2026-09-11. Source document

Default beneficiary. “If the party has not designated a POD beneficiary on the signature card for the account, on the death of the party ownership of the account passes as part of the party's estate under the party's will or by intestacy. ... The account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.” Page 18, revision 2014-02-14, read from a Wayback Machine capture of 2015-03-25. Source document

How to submit. “If the party designates a POD beneficiary or beneficiaries on the signature card for the account ... by the Signature Card that you sign when opening the account, or any subsequent Signature Card or written modification that we accept.” Page 18, revision 2014-02-14, read from a Wayback Machine capture of 2015-03-25. Source document

Per stirpes. “the heirs of the deceased POD Beneficiary would not be entitled to any ownership interest in the Account” Page 11, form RDAOPM11-0926, revision 2026-09-20. Source document

Refused wording. “FOR ACCOUNTS IN FLORIDA: POD Beneficiaries may only have equal shares.” Page 11, form RDAOPM11-0926, revision 2026-09-20. Source document

Default beneficiary. “If there is no surviving POD Beneficiary when the last owner of the POD Account dies, then the Account is payable to the heirs (or estate, if a formal estate is raised) of the last surviving owner of the POD Account.” Page 11, form RDAOPM11-0926, revision 2026-09-20. Source document

If a beneficiary dies first. “POD Beneficiaries have a right of survivorship. This means if one POD Beneficiary pre-deceases the owner(s) of the POD Account, the surviving POD Beneficiary would then take full ownership of the Account upon the death of the last owner and the heirs of the deceased POD Beneficiary would not be entitled to any ownership interest in the Account.” Page 11, form RDAOPM11-0926, revision 2026-09-20. Source document

How to submit. “beneficiaries ("POD Beneficiaries") designated on the CD or Account ... that written notice must be notarized and sent to the following required address: PNC Bank, P.O Box 609” Page 3, form RDAOPM02-0625, revision 2025-06-22, read from a Wayback Machine capture of 2025-09-25. Source document

Refused wording. “you may have to include certain words or letters in the Account title to create a POD account, such as "payable on death," or "POD". You are solely responsible for meeting these requirements.” Page 18, form PV-1626, revision 2023-04-17. Source document

If a beneficiary dies first. “we may pay any funds remaining in the Account to the then-surviving (if any) POD beneficiary(ies) ... A POD beneficiary may acquire an interest in the Account at that time but only if the POD beneficiary is alive.” Page 18, form PV-1626, revision 2023-04-17. Source document

How to submit. “You can make your Account a POD account by instructing us to list each POD beneficiary on the Account ... We may require you to close an Account in order to remove a joint owner, terminate a joint ownership, switch the account type, or change a pay-on-death or trust designation.” Page 18, form PV-1626, revision 2023-04-17. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. ... will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 1, form D1001E-E. Source document

Default beneficiary. “If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary” Page 4, form DXPS02-E, revision 2020-11. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 4, form DXPS02-E, revision 2020-11. Source document

Online designation. “Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.” Page 4, form DXPS02-E, revision 2020-11. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document” Page 10, form DXPS02-E, revision 2020-11. Source document

A class like "my children". “by providing us with the following required information for each POD payee: their legal name, address, date of birth and social security number” Page 5, form M161AA. Source document

Default beneficiary. “upon your death and in the absence of any Payable on Death (POD) designation, ownership of the Account ... passes as part of your estate under your Will” Page 5, form M161AA. Source document

If a beneficiary dies first. “shall be owned by the POD ... payees surviving without rights of survivorship and funds distributed equally” Page 5, form M161AA. Source document

How to submit. “POD payees may be listed in the Account Application or notated on the Account within our system” Page 5, form M161AA. Source document

Minor as beneficiary. “in equal shares to the person or persons then living who are named as beneficiary or beneficiaries (whether an adult or minor)” Page 32, form Deposit Agreement, revision 2026-09. Source document

If a beneficiary dies first. “all funds in the account will be paid, upon the death of the depositor or surviving depositors, in equal shares to the person or persons then living who are named as beneficiary or beneficiaries (whether an adult or minor)” Page 32, form Deposit Agreement, revision 2026-09. Source document

If a beneficiary dies first. “Upon the death of the Trustee or the death of both Trustees, all the funds in the deposit account shall be owned in equal shares by the person(s) then living who is/are named as Beneficiary(ies) on the deposit account (or his/her/their legal representatives).” Page 10, form Personal Account Disclosure Statements, revision 2026-07-21. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Web page. Source document

How to submit. “Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process. ... We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document which evidences a change to an account and accepted by us.” Web page. Source document

Trust as beneficiary. “you must provide the beneficiary's street address and, if the beneficiary is a natural person, the beneficiary's date of birth” Page 7, form MK0034, revision 2021-11. Source document

A class like "my children". “When you come in, please be ready to share the following information about your new beneficiary: Their full legal name (no nicknames; be sure to include middle initials and any suffixes, such as Jr. or Sr.)” Web page. Source document

Default beneficiary. “If all beneficiaries predecease the last surviving trustee, the balance in the Account will be paid to the legal representative of the estate of that trustee.” Page 7, form MK0034, revision 2021-11. Source document

If a beneficiary dies first. “after the death of the last surviving trustee and upon the request of a beneficiary, we will distribute the balance in the Account to the surviving beneficiaries and close the Account. If all beneficiaries are present in one of our branches at the time we close the Account, we will pay each beneficiary an equal share of the balance.” Page 7, form MK0034, revision 2021-11. Source document

Limit on beneficiaries. “You can add multiple beneficiaries to any eligible Santander Bank account up to five (5).” Web page. Source document

How to submit. “You can simply walk in to any Santander Bank branch to start the process, or schedule an appointment ahead of time.” Web page. Source document

Default beneficiary. “If there are no surviving owners or beneficiaries, funds in the account are subject to the probate laws of the State of California.” Page 12. Source document

If a beneficiary dies first. “If there are no surviving owners, funds are distributed equally among the surviving beneficiaries, if any.” Page 12. Source document

Notary or medallion. “Sign the application and have your signature notarized. Provide a copy of the notary's acknowledgment.” Page 1, revision 2025-03. Source document

How to submit. “The primary Member, acting alone, shall have the right to change the ownership structure of any account(s) by executing and dating a new Membership application/signature card. ... Mail everything to: SchoolsFirst FCU, Attn: Membership Development” Page 12. Source document

Refused wording. “We reserve the right to refuse some forms of ownership and beneficiary designations on any or all of our accounts unless otherwise prohibited by law.” Page 7, form Deposit Account Agreement, revision 2025-07-01. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is living when the last person who created the account dies. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, with right of survivorship.” Web page, form Personal Account Terms and Conditions, revision not printed (web page). Source document

Default beneficiary. “If no beneficiary or payee survives the last owner, you agree we will pay the funds to the last owner's estate.” Web page, form Personal Account Agreement. Source document

If a beneficiary dies first. “If there is more than one surviving beneficiary or payee, the funds will pass to them equally.” Web page, form Personal Account Agreement. Source document

How to submit. “changing the beneficiary or payee, which must be evidenced by a written change to the signature card” Web page, form Personal Account Agreement. Source document

Default beneficiary. “If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary” Page 4, form DXPS02-E, revision 2020-03, read from a Wayback Machine capture of 2025-10-25. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or Totten trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship” Page 4, form DXPS02-E, revision 2020-03, read from a Wayback Machine capture of 2025-10-25. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document” Page 10, form DXPS02-E, revision 2020-03, read from a Wayback Machine capture of 2025-10-25. Source document

Trust as beneficiary. “may have multiple owners and multiple beneficiaries unless the beneficiary is an entity other than a natural person, such as a trust, charity or other non-profit organization ... In these instances, there shall only be one beneficiary.” Page 12. Source document

If a beneficiary dies first. “If there are multiple beneficiaries, we reserve the right to close the resulting joint account with the right of survivorship and distribute the funds in equal shares to the beneficiaries then living.” Page 13. Source document

Limit on beneficiaries. “may have multiple owners and multiple beneficiaries unless the beneficiary is an entity other than a natural person ... In these instances, there shall only be one beneficiary.” Page 12. Source document

If a beneficiary dies first. “If Primary and Contingent Beneficiaries are chosen, upon Member's death, the amount in the account shall be payable to the Principal Beneficiary if living, otherwise to the Contingent Beneficiary.” Page 1. Source document

Notary or medallion. “This form must be notarized if not signed in the presence of a Sun Credit Union employee.” Page 1. Source document

Refused wording. “Joint owners may not be listed as beneficiaries.” Page 2, revision 2014-02-05, read from a Wayback Machine capture of 2023-04-04. Source document

Electronic signature. “please complete the documents in their entirety with original signatures ... We are unable to make changes to account information presented to us by fax.” Page 1, revision 2014-02-05, read from a Wayback Machine capture of 2023-04-04. Source document

How to submit. “Delivering to your local Service Center ... Mailing to: Suncoast Credit Union, Attn: Account Operations P.O. Box 11904 Tampa, FL 33680-1904 ... Adding Beneficiary Signature Card” Page 1, revision 2014-02-05, read from a Wayback Machine capture of 2023-04-04. Source document

If a beneficiary dies first. “where there are two or more P.O.D. beneficiaries, the account will be paid in equal shares to the beneficiaries who survived all account holders.” Page 3, form Consumer Deposit Account Agreement and Disclosures, revision 2025-07-01. Source document

Default beneficiary. “the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary. ... Letters of Administration and/or the appropriate court documents may be required when there is no joint owner, or payable on death document on file.” Page 5. Source document

If a beneficiary dies first. “upon the death of the last Account owner, payable to any named and surviving POD designated on your Account Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries without rights of survivorship.” Page 5. Source document

If a beneficiary dies first. “In the event of your death, the Account will belong to the person you named as Account beneficiary, if that person is still living.” Page 11, form Personal Deposit Account Agreement. Source document

Default beneficiary. “beneficiary, applicable state law will determine ownership of the funds in the account. If ... If there is no surviving original beneficiary, then her share will pass to” Page 11, revision 2017-02-18, read from a Wayback Machine capture of 2024-02-15. Source document

If a beneficiary dies first. “If you are an Indiana resident or are opening your account in Indiana, and you ... designate a beneficiary who is a lineal descendant and that beneficiary does ... not survive you, that beneficiary's share of your account will pass to his or her ... share will pass to the remaining original beneficiary(ies) you designated.” Page 11, revision 2017-02-18, read from a Wayback Machine capture of 2024-02-15. Source document

Default beneficiary. “If no beneficiary survives the POD account owner(s), funds on deposit belong to the estate of the last surviving POD account owner.” Web page, read from a Wayback Machine capture of 2026-03-04. Source document

If a beneficiary dies first. “On the death of the sole POD account owner or the last survivor of two or more POD account owners, funds on deposit belong to the surviving beneficiary or beneficiaries.” Web page, read from a Wayback Machine capture of 2026-03-04. Source document

How to submit. “all POD owners must sign to change and/or delete the designated beneficiary/beneficiaries ... You must notify us of any changes related to the account and its ownership and use, either in writing or if you are enrolled in Online Banking services, electronically” Web page, read from a Wayback Machine capture of 2026-03-04. Source document

Default beneficiary. “If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary” Page 1, form D1001E-E. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 1, form D1001E-E. Source document

Online designation. “Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.” Page 1, form D1001E-E. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document” Page 6, form D1001E-E. Source document

If a beneficiary dies first. “When all account owners have died the account is owned by the surviving P.O.D. payee(s). A P.O.D. payee must survive the death of all account owners to receive any interest in the account funds.” Page 5, revision 2025-07-01. Source document

Trust as beneficiary. “upon the death of the last account owner, payable to any named and surviving beneficiary as designated on your beneficiary assignment or payable to the successor trustee for the trust beneficiary designated on your separate Certification of Trust” Page 6. Source document

Trust documents. “payable to the successor trustee for the trust beneficiary designated on your separate Certification of Trust” Page 6. Source document

Default beneficiary. “Accounts without designated beneficiaries will become part of the decedent's probate estate.” Page 7. Source document

If a beneficiary dies first. “upon the death of the last account owner, payable to any named and surviving beneficiary” Page 6. Source document

If a beneficiary dies first. “when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.” Page 4, form DXPS02-E, revision 2021-04. Source document

How to submit. “We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document” Page 10, form DXPS02-E, revision 2021-04. Source document

Refused wording. “Any designation of funds to multiple beneficiaries in an amount or percentage other than equally shall be considered only as a request to the Bank. The Bank may honor any such request in its sole discretion.” Page 12, form Bank Services Agreement and Privacy Notice. Source document

Default beneficiary. “If no beneficiary survives the last owner, the funds are payable to the last owner's estate.” Page 12, form Bank Services Agreement and Privacy Notice. Source document

If a beneficiary dies first. “Upon the death of the last owner, the funds remaining in the account will pass to the beneficiary. If there is more than one surviving beneficiary, the funds will pass to them in equal and undivided shares” Page 12, form Bank Services Agreement and Privacy Notice. Source document

How to submit. “A change in a beneficiary is effective only upon a change to the signature card” Page 12, form Bank Services Agreement and Privacy Notice. Source document

Per stirpes. “Adding the acronym LDPS (which stands for lineal descendants, per stirpes) to a Revocable Trust or Pay-on-Death account in Missouri, changes the rights of beneficiaries of such accounts.” Page 13, form Your Deposit Account Agreement, revision 2026-11-16. Source document

Per stirpes defined. “LDPS designation means that if a named beneficiary of such an account dies before the account owner, then the unnamed lineal descendants of that deceased beneficiary will acquire the share of the deceased beneficiary on the death of the owner per stirpes.” Page 13, form Your Deposit Account Agreement, revision 2026-11-16. Source document

A class like "my children". “Adding the acronym LDPS (which stands for lineal descendants, per stirpes) to a Revocable Trust or Pay-on-Death account in Missouri” Page 13, form Your Deposit Account Agreement, revision 2026-11-16. Source document

If a beneficiary dies first. “the surviving beneficiaries acquire and can withdraw an equal share with the other surviving beneficiaries, without survivorship rights between beneficiaries. If a beneficiary dies before the creator, neither the beneficiary's estate nor heirs acquire anything on the death of the owner.” Page 13, form Your Deposit Account Agreement, revision 2026-11-16. Source document

Refused wording. “We may remove any beneficiary designation that does not meet our requirements.” Page 3, form Consumer Deposit Account Terms and Conditions, revision 2026-09-01. Source document

If a beneficiary dies first. “If a beneficiary dies before the last surviving Account Holder, the deceased beneficiary's share will be distributed to the remaining beneficiaries unless otherwise required by applicable law.” Page 3, form Consumer Deposit Account Terms and Conditions, revision 2026-09-01. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.” Web page, read from a Wayback Machine capture of 2026-05-16. Source document

Trust as beneficiary. “such as when you name a trust or other entity as a” Page 30, form Depository Agreement & Disclosures, revision current (not printed). Source document

If a beneficiary dies first. “to be payable on the account owner's death (or the death of the last surviving account owner, as applicable) to a surviving designated” Page 5, form Depository Agreement & Disclosures, revision current (not printed). Source document

Default beneficiary. “the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary ... Letters of Administration and/or the appropriate court documents may be required when there is no joint owner, or payable on death document on file.” Page 7. Source document

If a beneficiary dies first. “upon the death of the last Account owner, such POD Account is payable to any named and surviving POD designated on your Account Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship.” Page 8. Source document

How to submit. “Any POD designation must be unequivocal and accepted and acknowledged by us in writing. ... To be binding with the Credit Union, such revocation must be in writing and accepted by us.” Page 8. Source document

Minor as beneficiary. “we are not otherwise required by New Jersey law to make payment to a parent, custodian, or guardian” Page 7, form VLY11370, revision 2025-07-01. Source document

If a beneficiary dies first. “If two or more beneficiaries/P.O.D. payees are named and survive the death of all parties creating the account, such beneficiaries/P.O.D. payees will own this account in equal shares, without right of survivorship.” Page 7, form VLY11370, revision 2025-07-01. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.” Page 2, revision 2012-12, read from a Wayback Machine capture of 2013-01-29. Source document

Default beneficiary. “If no designated beneficiary is living when the last surviving account owner dies, we are entitled to pay funds in the account to the legal representative of the last surviving account owner.” Page 9, form FN03106, revision 2026-08-20. Source document

If a beneficiary dies first. “A designated beneficiary acquires the right to the account only if: (a) all account owners die, and (b) the beneficiary is then living. ... Upon the death of the last surviving account owner, we are entitled to pay funds in an account with a payable on death designation to the then-surviving designated beneficiaries” Page 9, form FN03106, revision 2026-08-20. Source document

How to submit. “Changes in the designated beneficiaries must be made on such forms as we require. The most recent beneficiary designation we have received terminates, supersedes and replaces any prior payable on death designation for the specified account.” Page 9, form FN03106, revision 2026-08-20. Source document

Default beneficiary. “One of the following is required if no beneficiary is named on the account: A certified copy of probate documentation, most commonly a court-issued document appointing an executor or administrator” Page 1, form Estate Care Center checklist, revision 2025. Source document

If a beneficiary dies first. “A POD account is payable to the surviving beneficiaries you designated on your account when we receive proof of your death or the death of the last surviving co-owner.” Page 4, form Deposit Account Agreement, revision 2026-07-28. Source document

How to submit. “You and any co-owner may change beneficiaries anytime by notifying us in writing. ... For further assistance, please schedule a branch appointment” Page 4, form Deposit Account Agreement, revision 2026-07-28. Source document

Default beneficiary. “If all of the beneficiaries predecease the trustee(s), the named beneficiary's(ies') death shall terminate the trust and title to the money that is credited to the trust shall vest in the trustee(s).” Page 2, form Deposit Account Agreement (Personal). Source document

If a beneficiary dies first. “The beneficiary(ies) acquires the right to withdraw only if: (i) all of the trustees die, and (ii) the beneficiary is then living. ... If two or more beneficiaries are named and survive the death of all of the trustees, such beneficiaries will own this account in equal shares without right of survivorship, unless otherwise indicated. If the primary beneficiary predeceases the owner(s), when two or more contingent beneficiaries are named and survive the death of the owner(s), such beneficiaries will own this account in equal shares” Page 2, form Deposit Account Agreement (Personal). Source document

How to submit. “the trustee(s) may change the named beneficiary(ies) at any time by a written direction to us” Page 2, form Deposit Account Agreement (Personal). Source document

Refused wording. “You may be required to include certain words or letters in the Account title to create a POD account, such as: "payable on death," "POD," "in trust for," "ITF," "transfer on death", "TOD", or "Totten Trust". ... in the event those requirements are not met, Bank may treat the Account as if no POD beneficiary was named.” Page 9, form Deposit Account Agreement and Disclosure, revision Effective October 2023. Source document

If a beneficiary dies first. “If there is more than one surviving beneficiary, the respective interest of each shall be deemed to be in equal shares, unless otherwise stated in Bank's Account” Page 10, form Deposit Account Agreement and Disclosure, revision Effective October 2023. Source document

How to submit. “As the owner of the Account, you may withdraw money from the Account and, by written direction to Bank, change the beneficiary(ies) on the Account.” Page 9, form Deposit Account Agreement and Disclosure, revision Effective October 2023. Source document

Default beneficiary. “The trust account is not a part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.” Page 6, form Deposit Account Agreement, revision Effective 11-22. Source document

If a beneficiary dies first. “Beneficiaries cannot withdraw unless: (i) all persons creating the account die, and (ii) the beneficiary is then living. If two or more beneficiaries are named and ... such beneficiaries will own this account in equal shares, without right of survivorship.” Page 6, form Deposit Account Agreement, revision Effective 11-22. Source document