From the FDIC's regulation, 12 CFR Part 330, section 330.10(b):
The required intention in paragraph (a) of this section that upon the owner's death the funds shall belong to one or more qualifying beneficiaries must be manifested in the title of the account using commonly accepted terms such as, but not limited to, "in trust for," "as trustee for," "payable-on-death to," or any acronym therefor. In addition, the beneficiaries must be specifically named in the deposit account records of the insured depository institution. The settlor of a revocable trust account shall be presumed to own the funds deposited into the account.
You need to include the "intent flag" in the account title. You don't need to name the beneficiary or beneficiaries there, though. But they must be named in your account records.