TOD, transfer on death. POD, payable on death. ITF, in trust for. Those are beneficiary designations. They’re typically seen on bank accounts. So if mom passes away and your on there as ITF, in trust for, you would just take a death certificate and your drivers license into the bank, show them that, and then they would then hand you the funds for that account. If this raises more questions than it answers, then don’t hesitate to reach out to our office. Head to our YouTube Channel to learn more!