How to Navigate a Name Change After Marriage

Before diving headfirst into paperwork, take a moment with your partner to discuss your name change preferences. There’s no right or wrong answer here – it’s all about what feels right for both of you.

Here are some popular options to consider:

• Taking your spouse’s last name: This is the most traditional route, symbolizing the unity of your new family.
• Hyphenating your last names: This allows you to keep your name while incorporating your spouse’s.

Creating a new last name together: Get creative! You can combine syllables from both names (a portmanteau), choose a name with a special meaning, or even explore cultural traditions for inspiration. This might require a court order to legally change your name.

Let’s get down to the nitty-gritty now that you’ve chosen your path. Here’s a step-by-step guide to ensure a smooth name change after your marriage:

Your first step is obtaining a certified copy of your marriage certificate. This official document (unlike the original you might receive from your officiant) is what you’ll need for most name change procedures. Think of it as a verified duplicate issued directly by the government agency that handled your marriage license.

Getting a certified copy is simple.

• Contact the Issuing Office: Call the county clerk’s office or courthouse where you obtained your marriage license. This is where you can obtain certified copies of your marriage certificate.
• Request a Copy: Inform them you need a certified copy of your marriage certificate.
• Pay a Small Fee: There’s usually a nominal fee for processing the request.
• Receive Your Copy: Your certified copy will arrive within a week (typically 5-7 business days).

This certified copy acts as official proof of your marriage, complete with special seals for authenticity. Remember, you can order multiple copies for various name change applications while keeping the original safe at home.

The Social Security Administration (SSA) plays a crucial role in name changes. Since many government agencies link to the SSA database, it’s essential to update your name with them first. Don’t worry. Your Social Security number will remain the same – only the name associated with it will change.

Here’s how to navigate this step:

• Gather Your Documents: Refer to our comprehensive SSA Name Change Guide for a complete list of acceptable documents, typically including your marriage certificate, valid ID, and birth certificate.
• Complete Form SS-5: Download and fill out the Application for a Social Security Card (Form SS-5). This form provides the SSA with the necessary information to update your records.
• Visit Your Local SSA Office: Submit the completed Form SS-5 and the required documents to your nearest SSA office. If you are choosing an entirely new last name, you may need to provide a court order.

Pro Tip: We recommend waiting to update your name with other institutions until you receive your new Social Security card. This ensures a smooth transition across all your accounts.

Once you have your shiny new Social Security card, head to the Department of Motor Vehicles (DMV) to update your driver’s license or state ID. Here’s how to navigate this step:

State-Specific Requirements: 

• Each state has its application process, required documents, and fees. To avoid frustration, check your state’s DMV website beforehand. This will tell you exactly what forms to fill out and what documents to bring.

Documents You’ll Likely Need:

• Your new Social Security card (or receipt from the SSA office)
• Your current driver’s license
• Certified copy of your marriage certificate
• Proof of address (like a piece of mail with your current name and address)

You can simplify the entire name change process by getting a personalized Name Change kit from namechange.com. Your kit will come with everything you need, including detailed instructions specific to your state.

While a driver’s license or state ID is valid for domestic travel, international travel requires a valid passport with your new name.

• For Recent Travelers: If your passport is less than a year old, updating your name is simple and free.
• For Passports Over a Year Old: You’ll need to pay a processing fee for a new passport.

Choosing the Right Form

The application form depends on your situation. Here’s a quick guide.

• Form DS-82: Passport issued more than a year ago.
• DS-5504: Passport issued less than a year ago (and free to update your name!).
• DS-11: Passport expired for more than five years.

Submitting Your Application

• Fill Out the Correct Form: Download and complete the appropriate application form (DS-82, DS-5504, or DS-11).
• Gather Your Documents: Include required proof of identity (such as your updated driver’s license), a recent color photograph, and the applicable fee.
• Mail it In: Send your completed application package to the designated address.
• Processing Time: Allow up to six weeks for standard processing or three weeks for expedited service.
• Your New Passport Arrives: Once processed, you’ll receive your new passport in the mail with your updated name.

Don’t forget about your car! Updating your vehicle title and registration with your new name is crucial. Here’s how to navigate this (sometimes state-specific) process:

• State Variations: Be aware that procedures can differ significantly by state. Some DMVs handle both driver’s licenses and vehicle registration, while others have separate departments.
• Research is Key: Head to your state’s Department of Motor Vehicles (DMV) website. There, you’ll find detailed instructions on updating your car’s title and registration.
• Processing Times: Expect to wait for your new title—it typically takes a few weeks to arrive by mail. However, you should receive your updated registration right away.
• Gather the Right Documents: Do your homework! Research the specific documents required by your state’s DMV to avoid delays. Many people get turned away for missing necessary paperwork.

Time to update your bank accounts and credit union accounts with your new name! Here’s what you’ll need to do.

Visiting the Branch

This is the preferred method for most banks. Head to a branch location with your:

• Updated photo ID (driver’s license or passport)
• Certified copy of your marriage certificate

At the Bank

• Inform the teller or customer service representative that you want to update your account information due to a name change.
• Provide them with your documents (ID and marriage certificate).
• Depending on the bank, you might need to fill out a form.
• Request new debit/credit cards and blank checks with your updated name.

Adding a Spouse

Thinking of adding your spouse to your account or opening a joint account altogether? Make sure your spouse comes along to the branch with their required identification.

No Branch Nearby? No worries! 

Many banks allow name changes over the phone. Call the customer service number listed on your bank statement or the back of your debit card. Have your documents ready for verification over the phone.

Remember: Specific procedures might vary slightly between banks. It’s always best to check your bank’s website or contact customer service for the most up-to-date information.

After updating your bank accounts, don’t forget about your credit cards! Here’s how to request new cards with your new name.

Contact Your Card Issuer

The best first step is to call the customer service number located on the back of your credit card. Each issuer has its own procedures, so expect some variations.

Prepare Your Documents

Have photocopies of your updated photo ID (driver’s license or passport) and your certified marriage certificate handy. Most issuers will request these documents to verify your name change.

Submitting Your Request 

Depending on the issuer, you might have a few options:

• Phone: This is the most common method. Talk to a customer service representative and explain your request.
• Mail: Some issuers might allow you to mail in a completed form along with your documents. Check their website for details.
• Online: A few progressive issuers (like American Express) might allow you to change your name entirely online. However, this is less common.
• Be Patient: Processing times can vary, so factor this in. You’ll likely receive your new cards within a few weeks to a month.

Remember: Specific procedures might differ slightly between issuers. It’s always recommended to check your credit card company’s website or contact customer service directly for the most current information on their name change process.

While you’ve tackled the essentials, there are many other places where your name might appear. Here’s a checklist to help you stay organized.

At Work

• HR Department: Inform your HR department about your name change to ensure accurate payroll and benefits records.

Professional Licenses & Associations

• Licensing Boards: Update your name with any relevant professional licensing boards (nursing, teaching, etc.)

Home & Living

• Mortgage Company/Landlord: Notify your mortgage company or landlord about your name change for property records.
• Insurance Providers: Contact each insurance company (health, life, auto, etc.) to update your name on your policies.

Financial Accounts

• Investment Accounts: Update your name with your investment account providers.
• Utility Companies: Inform your utility companies (electricity, gas, water) about your name change.

Healthcare

• Medical Providers: Update your name with your doctor’s office, therapist, pharmacy, and any other healthcare providers.

Rewards & Memberships

• Loyalty Programs: Change your name on loyalty programs for airlines, hotels, and retail stores.
• TSA Precheck/Global Entry: Update your name information for TSA Precheck and Global Entry programs (if applicable).

Technology & Subscriptions

• Cell Phone Provider: Contact your cell phone provider to update your account information.
• TV & Internet Providers: Inform your TV and internet providers about your name change.
• Online Subscriptions: Update your name on any online subscriptions you have (streaming services, magazines, etc.).

Online Presence

• Email Accounts: Change your name on all your email accounts.
• Social Media: Update your name on social media platforms like Facebook and Instagram.

Other

• Gyms/Fitness Studios: Notify your gym or fitness studio about your name change.
• Children’s School (if applicable): Update your name with your child’s school for records and communication.
• Alumni Associations (if applicable): Inform your alumni association about your name change.

Remember: This list is not exhaustive. You might encounter other accounts where you need to update your name. It’s always best to double-check any important documents or statements you receive to ensure your information is accurate.

Changing your name after marriage can feel overwhelming, but it doesn’t have to be. We offer a personalized name change package that will contain step-by-step instructions and applications for all your state and federal documents, as well as your personal accounts. Get started today.