How Do I Open an Estate Account at Atlantic Union?

Atlantic Union's estate-account opening requirements: where the account can be opened, the documents to bring, and the EIN requirement.

Select a bank

Opening an estate account at Atlantic Union

Where to open it

Not stated — contact Atlantic Union

Opening channels

In a branch: Not stated
Online: Not stated
By phone: Not stated
By mail: Not stated
Appointment: Not stated
Co-executors: Not stated

Documents to bring

Documents establishing the fiduciary's authority to open the account and conduct transactions, including withdrawing funds -- the deposit agreement names court orders and Letters Testamentary among the governing documents the bank may request

What to know at Atlantic Union

Atlantic Union Bank publishes no dedicated estate-account page. The Consumer Deposit Account Agreement (effective August 11, 2025) recognizes estate accounts as a fiduciary account category and reserves the right to require any documents the bank reasonably requests to establish the fiduciary's authority to open the account; the bank does not have to permit any withdrawal until it receives all requested documents. The agreement also states the bank does not offer accounts requiring two or more signatures for checks or other withdrawals, and it may act on the instructions of any authorized signer. Opening channels, appointment requirements, EIN timing, minimum deposit, and account types for estate accounts are not stated in any published primary source.

Estate services: 855-244-3767View Atlantic Union's guidance

This guide summarizes each bank's published estate-account requirements and is not legal or banking advice. Requirements may vary by state and account type.

Frequently Asked Questions

Atlantic Union's published guidance does not state whether an estate account can be opened online.

Atlantic Union asks for: Documents establishing the fiduciary's authority to open the account and conduct transactions, including withdrawing funds -- the deposit agreement names court orders and Letters Testamentary among the governing documents the bank may request.

Atlantic Union's published guidance does not state a co-executor appearance rule. When more than one executor or administrator was appointed, confirm with Atlantic Union whether all must attend.

An estate account is a bank account titled to the estate itself — not to the person who died and not to the executor personally. The court-appointed executor or administrator opens it to deposit money owed to the estate (final paychecks, refunds, proceeds from closed accounts), pay the estate's debts and expenses, and distribute what remains. Checks made out to "the Estate of" can only be deposited into an account titled this way.

The estate is its own taxpayer, separate from the person who died. Banks open estate accounts under the estate's Employer Identification Number (EIN) from the IRS, not the deceased's Social Security Number. The free EIN application prepares IRS Form SS-4 for the estate.