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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 an 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
Additional resources you may find helpful
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Update your address, phone or email

Keep your important details up to date so you never miss an important alert or notice — and to help us reach you quickly if we notice unusual activity or suspect fraud. You can manage these details easily in Online and Mobile Banking:

  • Primary and account addresses
  • Phone numbers
  • Email addresses
  • Contact preferences

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.