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Account Changes

Making updates to your account is simple

In most cases, a brief financial center appointment is all you need

When you've experienced a life event that requires updating a name or changing the account owner and/or payable on death (POD) beneficiary layer on your account, we're here to make the process as easy as possible. Visit your local financial center with your documents and we'll make the update.

Before you schedule your financial center appointment

Tell us what type of account you have and what changes you need to make — we'll tell you what documents and information you need to bring to your appointment so we can quickly update your accounts.

If you don't live near a financial center, please call us at 800-432-1000 (Mon-Fri 7 a.m.-10 p.m. or Sat-Sun 8 a.m.-5 p.m., all times ET).

A POD account is 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. When the title of an account includes language like "in trust for (ITF)," "transfer on death (TOD)" or similar language, the account is treated as a POD account. 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. Generally, the payee or beneficiary must survive all owners in order to receive their share of funds from a POD account.

Common questions you may have

How do I change my name or title on my account?

To change your name or title: Bring a government-issued photo ID plus any additional documentation specific to your situation to any Bank of America financial center. An associate will give you forms to complete and will assist you with obtaining a new debit card and/or credit card.

If you are a co-owner or authorized user on the account: Please note that in order for us to update your name, the account owner (or other co-owners) must accompany you to the financial center.

If you have a name change due to:Please bring your government-issued photo ID and the following documentation:
Legal name misspelling on your accountBirth certificate
MarriageMarriage certificate
DivorceDivorce decree indicating name change
Court order of name changeCourt order of name change
AdoptionAdoption certificate

If you don't live near a financial center, please contact customer service at 800-432-1000 (Mon-Fri 7 a.m.-10p.m. or Sat-Sun 8 a.m.-5 p.m., ET). Find a financial centerFind a financial centerFind a financial center

I just got married. How do I add a spouse to my account?

To add a spouse to an account, schedule an appointmentschedule an appointmentschedule an appointment to visit your local financial center. Be sure to bring a valid government-issued ID and your marriage certificate. If there are multiple owners on the account, all account owners will need to be present at the financial center appointment and bring valid government-issued IDs.

In addition to updating your current account, we can help you if you would like to open a joint checking accountopen a joint checking accountopen a joint checking account. We can also assist you with updated account and safety deposit box agreements.

If you have a Bank of America retirement account and want to update your beneficiary, you can download and complete a Bank of America IRA beneficiary change formBank of America IRA beneficiary change formBank of America IRA beneficiary change form (PDF, requires Adobe Reader layerAdobe Reader layerAdobe Reader layer) prior to your appointment. (Note: It is not necessary for the beneficiary to attend the financial center appointment.)

If you need to update your insurance policy beneficiary declarations, please contact Merrill Lynch at 800-637-7455.

I just got divorced. How do I update my account?

To make changes to your account or to close your account, schedule an appointmentschedule an appointmentschedule an appointment to visit your local financial center. Be sure to bring a valid government-issued ID and a copy of your divorce decree. If there are multiple owners on the account, all account owners will need to be present at the financial center appointment and bring valid government-issued IDs. In addition to updating your current account, we can also assist you with updated account and safety deposit box agreements.

If you have a Bank of America retirement account and want to update your beneficiary, you can download and complete a Bank of America IRA beneficiary change formBank of America IRA beneficiary change formBank of America IRA beneficiary change form (PDF, requires Adobe Reader layerAdobe Reader layerAdobe Reader layer) prior to your appointment. (Note: It is not necessary for the beneficiary to attend the financial center appointment.)

If you shared an Online Banking sign-in with your spouse, you may want to update your Online ID and/or Passcode. To do this, simply sign in to Online Bankingsign in to Online Bankingsign in to Online Banking and select Change my Online ID or Change my Passcode from the Help & Support menu.

You should review any power of attorney documents you have to see if any changes are necessary.

If you need to update your insurance policy beneficiary declarations, please contact Merrill Lynch at 800-637-7455.

Additional resources you may find helpful
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Need to add a power of attorney to your account?

Under certain circumstances, Bank of America allows agents to be added to a principal's accounts.

Looking for notary services?

Bank of America provides our customers with notary services free of charge in our financial centers nationwide.

Add, remove or update a beneficiary on the account

The beneficiary on a payable on death (POD) account (sometimes referred to as a Totten trust or an in trust for account) is a person (or persons) who will take ownership of the account funds upon the account owner's death.