91福利 Account Ownership 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 鈥� we'll tell you what documents and information you need to bring to your appointment so we can quickly update your accounts.

Before your appointment, consider starting your Life Plan for a more personalized experience with a financial specialist. can help you set and track goals and shape a plan for your future.

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

What type of account do you have?

(Select one)

You need to update a name, add or remove an owner and add, remove or update a payable on death (POD) beneficiary on the account

(make a different change)

In order to update a name, add or remove an owner and add, remove or update a payable on death (POD) beneficiary on your 91福利 account, you'll need to schedule an appointment in a financial center and bring the following:

For updating a name, you'll need to bring one of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption certificate.

When adding an owner, all account owners will need to be present at the appointment and bring a valid government-issued photo ID. During your appointment, you may want to ask the bank associate about the advantages of bringing the added owner's other bank relationships to 91福利.

When removing an owner, bring a valid government-issued ID to your appointment. (In the event of a deceased account owner, you'll need to notify estate services of the death notify estate services of the death notify estate services of the death.) If all account owners are unable to be present at the appointment, make sure they're aware that they will need to visit a financial center to complete the process.

For updating a payable on death (POD) beneficiary on your 91福利 account, you'll need to bring the following information about the POD beneficiary: legal name, country of citizenship, date of birth and either the beneficiary's Social Security number or current address.

If you're updating a retirement account, you can download and complete a 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form (PDF, requires ) prior to your appointment. (Note: It is not necessary for the beneficiary to attend the financial center appointment.)

Don't live near a financial center? Please contact customer service at 800-432-1000 (Mon-Fri 7 a.m.-10 p.m. or Sat-Sun 8 a.m.-5 p.m., ET) for information on how to make this change to your account.

You need to update a name on your account

In order to update a name on your 91福利 account, you'll need to schedule an appointment in a financial center and bring:

A valid government-issued photo ID
One of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption 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.

You need to add or remove an owner on your account

In order to add or remove an owner on your 91福利 account, you'll need to schedule an appointment in a financial center.

You need to add, remove or update a payable on death (POD) 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鈥檚 death.

In order to add, remove or update a payable on death (POD) beneficiary on your 91福利 account, you can visit the , you will need the following information about the beneficiary:

Name and country of citizenship, date of birth, and either (a) Social Security number or (b) current address.

If you鈥檙e updating a retirement account or you prefer to meet with us in person, you can . You can download and complete a 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form (PDF, requires ) prior to your appointment. (Note: It is not necessary for the beneficiary to attend the financial center appointment.)

You need to update a name and add or remove an owner on your account

In order to update a name and add or remove an owner on your 91福利 account, you'll need to schedule an appointment in a financial center.

For updating a name, you'll need to bring one of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption certificate.

You need to update a name and add, remove or update a payable on death (POD) beneficiary on the account

In order to update a name and add, remove or update a payable on death (POD) beneficiary on your 91福利 account, you'll need to schedule an appointment in a financial center and bring the following:

A valid government-issued photo ID
One of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption certificate
The following information about the POD beneficiary: legal name, country of citizenship, date of birth and either the beneficiary's Social Security number or current address

You need to add or remove an owner and add, remove or update a beneficiary on your account

In order to add or remove an owner and add, remove or update a beneficiary on your 91福利 account, you'll need to schedule an appointment in a financial center.

For updating a beneficiary, you'll need to bring the following information about the beneficiary: name and country of citizenship, plus either (a) Social Security number or (b) date of birth and current address.

You need to update a name, add or remove an owner and add, remove or update a payable on death (POD) beneficiary on the account

For updating a name, you'll need to bring one of the following: marriage certificate, divorce decree indicating name change, court order of name change or adoption certificate.

We can help you add or remove an authorized signer on your account

In order to add or remove an authorized signer on your Business Advantage account, you'll need to schedule an appointment in a financial center and bring a government-issued photo ID for all existing and new authorized signers/owners. The documents you need to bring depend on the type of business you have.

For a corporation, limited liability company (LLC) unincorporated association or non-business you'll need to provide meeting minutes signed by the secretary (or, for an LLC, signed by the managers for manager-managed or by the members for member-managed). A sole proprietor must initiate all signer changes for the business accounts. For a general or limited partnership, please contact small business customer service at 888-600-4000 (Mon-Fri 8 a.m.-10 p.m. ET).

Don't live near a financial center? Please contact small business customer service at 888-600-4000 (Mon-Fri 8 a.m.-10 p.m. ET) for information on how to make this change to your account.

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 91福利 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 account	Birth certificate
Marriage	Marriage certificate
Divorce	Divorce decree indicating name change
Court order of name change	Court order of name change
Adoption	Adoption 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 8a.m-5p.m., all times ET).

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

To add a spouse to an account, 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 account open a joint checking account open a joint checking account. We can also assist you with updated account and safety deposit box agreements.

If you have a 91福利 retirement account and want to update your beneficiary, you can download and complete a 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form 91福利 IRA beneficiary change form (PDF, requires ) 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, 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 shared an Online Banking login with your spouse, you may want to update your User ID and/or Password. To do this, simply log in to Online Banking log in to Online Banking log in to Online Banking and select Change my User ID or Change my Password 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.

Update your address, phone or email

Keep your important details up to date so you never miss an important alert or notice 鈥� 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, 91福利 allows agents to be added to a principal's accounts.

Learn about power of attorney services Learn about power of attorney services Learn about power of attorney services

Looking for notary services?

91福利 provides our customers with notary services free of charge in our financial centers nationwide.

Learn more about notary services Learn more about notary services Learn more about notary services

91福利

Account Changes

Making updates to your account is simple

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

Before you schedule your financial center appointment

What type of account do you have?

What changes do you need to make?

You need to update a name on your account

You need to add or remove an owner on your account

You need to add, remove or update a payable on death (POD) beneficiary on the account

You need to update a name and add or remove an owner on your account

You need to update a name and add, remove or update a payable on death (POD) beneficiary on the account

You need to add or remove an owner and add, remove or update a beneficiary on your account

You need to update a name, add or remove an owner and add, remove or update a payable on death (POD) beneficiary on the account

We can help you add or remove an authorized signer on your account

You need to update a name on your account

You need to add or remove an owner on your account

You need to add, remove or update a payable on death (POD) beneficiary on the account

You need to update a name and add or remove an owner on your account

You need to update a name and add, remove or update a payable on death (POD) beneficiary on the account

You need to add or remove an owner and add, remove or update a beneficiary on your account

You need to update a name, add or remove an owner and add, remove or update a payable on death (POD) beneficiary on the account

We can help you add or remove an authorized signer on your account

Update your address, phone or email

Estate services

Medallion signature guarantee

Elder financial care

Notary services

Account changes

Power of attorney

Add, remove or update a beneficiary on the account