How Do I Open an Estate Account at Bank OZK?

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

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Opening an estate account at Bank OZK

Where to open it

Not stated — contact Bank OZK

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

Court order appointing the executor or administrator — the Fiduciary Accounts clause makes the account available to persons named "as executors, administrators, or conservators under court orders," and refers to "the terms of the trust or letters," i.e. Letters Testamentary or Letters of Administration
Identifying information for the person opening the account: the agreement's USA PATRIOT Act notice states the bank will ask for name, address, date of birth, and other identifying information, and may also ask to see a driver's license or other identifying documents

What to know at Bank OZK

Bank OZK publishes no estate-account opening page: no ozk.com source documents opening channels, appointment requirements, co-fiduciary rules, a Letters recency window, a minimum deposit, estate account types, or an opening timeline (sweep of ozk.com verified 2026-07-16). The controlling text is clause (30) Fiduciary Accounts of the "Terms and Conditions of Your Account," Arkansas edition (TC-AR 6/1/2023) — numbered (31) in the Florida edition (TC-FL 6/1/2023) with identical wording. It affirmatively provides that accounts may be opened by a person acting in a fiduciary capacity, including executors and administrators under court orders, while disclaiming any bank responsibility for the fiduciary's actions, including misuse of funds. Because the agreement is issued state by state (AR, FL, GA, NC, TN, TX), confirm which edition governs; the AR and FL editions read the same on fiduciary accounts. The business-account documentation page (ozk.com/business/checking-accounts/documents-needed/) covers only partnerships, LLCs, and corporations — it does not list estate accounts. The Trust & Estate Services page covers Bank OZK ACTING as executor or personal representative through its Trust & Wealth division, a separate engagement from a self-directed executor opening an estate deposit account.

Estate services: 1-800-274-4482View Bank OZK'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

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

Bank OZK asks for: Court order appointing the executor or administrator — the Fiduciary Accounts clause makes the account available to persons named "as executors, administrators, or conservators under court orders," and refers to "the terms of the trust or letters," i.e. Letters Testamentary or Letters of Administration; Identifying information for the person opening the account: the agreement's USA PATRIOT Act notice states the bank will ask for name, address, date of birth, and other identifying information, and may also ask to see a driver's license or other identifying documents.

Bank OZK's published guidance does not state a co-executor appearance rule. When more than one executor or administrator was appointed, confirm with Bank OZK 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.