I am not an expert on this topic, I am responding to try to help flesh out the question and because I am curious about your question. Hopefully someone more knowledgeable will chime in here.
I believe you are correct about accounts outside the trust passing according to the beneficiary designation.
I have only a limited experience as a successor trustee on my MIL's revocable living trust on her passing. I found that one checking account was titled with only her name on it, let's say Jane Doe, 123 Main St, Anytown. I could not access this account without probate paperwork. She had an IRA in her name that passed to the beneficiaries named on the IRA. Her other checking account and her brokerage account were titled with the name Jane Doe Revocable Trust, 123 Main St, Anytown. I provided a death certificate and a copy of the trust paperwork and was able to access the accounts opened by the trust.
So when you say placed into the trust, what is the mechanism you are using to do that? What instructions did the creator of the trust documents provide to transfer your assets into the trust?
Again, trying to help, and curious to expand my understanding.