Estate planning at Centennial Bank

The published Schedule of Fees sets the estate-relevant charges: account research and reconciliation is $25.00 per hour, statement copies are $5.00 each and check image copies $2.00 each (the documents a probate inventory usually needs), a medallion signature guarantee is $25.00 and is available to customers only (needed to transfer stock certificates), an outgoing trustee-to-trustee IRA transfer is $50.00 (charged when a beneficiary moves an inherited IRA to another custodian), and garnishments and levies are $150.00 each. A decedent's untouched account also starts accruing a $5.00 dormant-account fee -- after 365 days without communication on a checking or money market account, and after 730 days on savings and money market -- which is a reason to settle or close the account rather than leave it sitting.

Yes. The Centennial Bank Trust Department serves as trustee for Personal Trusts, Testamentary Trusts, Life Insurance Trusts, Special Needs Trusts, and Charitable Trusts, and provides Estate Administration and Settlement and Guardianship and Conservator Administration, along with investment management, farm and property management, Section 1031 like-kind exchanges, Coverdell Education Savings Accounts, and managed and self-directed IRAs. Trust clients and successor trustees reach their accounts through the Trust Login portal at https://icp.infovisa.com/0315. The trust-services page carries the disclosure that these accounts are NOT A DEPOSIT, NOT FDIC INSURED, and MAY LOSE VALUE. Home BancShares' sibling Texas brand, Happy Bank, runs its own separate trust division.