How to Change My Name on My Bank Account

Changing your name on a bank account is necessary after a legal name change, such as due to marriage, divorce, or a court order. This process ensures financial records reflect your current legal identity, preventing transaction or identity verification issues. Updating your bank account is typically one of the later steps in this transition.

Essential Preparations Before Contacting Your Bank

Before contacting your bank, secure the legal documentation for your name change. This requires a certified copy of a marriage certificate, a divorce decree, or a court order. These documents prove your new legal identity and are universally required.

With your legal name change document, the next step is to update your Social Security card. This is a foundational step, as many institutions rely on SSA records for identity verification. To update your Social Security card, complete Form SS-5. This form, along with your legal name change document and proof of identity (such as a valid ID), must be submitted to the SSA. Apply by mail or in person at a local Social Security office; the updated card generally takes a few weeks to arrive.

After receiving your updated Social Security card, update your government-issued photo identification, like your driver’s license, state ID, or passport. Most state motor vehicle departments require an in-person visit for driver’s license or state ID name changes. Bring your updated Social Security card, the legal document proving your name change, your current ID, and proof of residency. Check your state’s DMV website for requirements and appointment needs. Passport updates can be done by mail through the U.S. Department of State.

Steps to Update Your Bank Account Name

After updating your legal name with the Social Security Administration and obtaining new government-issued photo identification, contact your bank. Updating your name generally requires presenting your updated ID and legal name change document. Banks verify the name change reason to align with federal regulations.

Many banks prefer or require an in-person visit to a local branch for name changes, allowing direct document and signature verification. Schedule an appointment for dedicated assistance and a smoother process. During this visit, complete a bank-specific name change form and submit copies of your legal name change document (e.g., marriage certificate, divorce decree, court order) and updated government-issued photo ID. Some banks may also request your updated Social Security card.

While an in-person visit is common, some financial institutions allow initiating the name change online or by mail, though certified documents are still necessary. After submission, the bank’s internal process usually takes a few business days to two weeks. Confirm the expected processing time with your bank representative.

After Your Name Change is Processed

After your bank processes the name change on your account, several follow-up actions are necessary to align all financial aspects with your new legal identity. Request new debit cards and checks displaying your updated name. Most banks issue these promptly once the name change is reflected.

Update any services linked to your bank account, such as direct deposits and automatic bill payments. For direct deposits, notify your employer’s human resources or payroll department with your updated bank information. While direct deposits use account and routing numbers, a name mismatch could cause delays. Similarly, update automatic bill payments or subscriptions linked to your debit card or bank account.

Review and update your name on any third-party payment applications or services, such as peer-to-peer payment apps, connected to your bank account. Many services require your platform name to match your bank account name to prevent transaction issues. Consistently monitor bank statements and online banking profiles for a few billing cycles to confirm your new name is accurately reflected and transactions process without interruption.