How Do I Open an Estate Account at Camden National?
Camden National opens estate accounts for a court-appointed executor or administrator. The account is opened in a branch. The documents it asks for, what the account costs, and the steps it lists are below.
Opening an estate account at Camden National
Where to open it
In a branch
In 1 of the 2 states Camden National operates in, state law lets a bank pay from a deceased depositor's balance without letters testamentary or letters of administration.
How it opens
- In a branch
- Available
- Appointment
- Not required; 5 of the 153 banks here say the same
Documents to bring
- Certified copy of the death certificate
- Valid form of identity for the fiduciary (Driver's License, State ID, or Passport)
- Tax ID Number (EIN) of the estate
- Probate documents, when available and if applicable (e.g., Letters Testamentary or Letters of Administration)
Steps at Camden National
- 1Notify Camden National Bank of the death at a banking center, at (800) 860-8821, through "Connect with Us" in digital banking, or by writing to Customer Care Team, PO Box 310, Camden, ME 04843.
- 2Obtain the estate's Tax ID Number (EIN) from the IRS; Camden National Bank requires it to open an estate account.
- 3Gather the documents the bank states it will need:
- Certified copy of the death certificate
- Valid form of your identity (Driver's License, State ID, or Passport)
- Probate documents, when available and if applicable
- 4Visit a Camden National Bank banking center to open the estate account; scheduling ahead through the Appointments link at https://www.camdennational.bank/about/contact-us makes a wait on arrival less likely.
- 5The bank reviews the estate authority you present and may require additional documents and authorizations to confirm your authority to direct transactions on the account.
What it costs
Camden National does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account.
- Other waivers
- No estate or fiduciary exclusion is published; one product waiver is by age (62 or better, or under the age of 18), and how it applies to an estate account is not stated
- Schedule that applies
- Fee Schedule in the "Guide to Accounts & Services" packet, as of December 1, 2023; which product governs an estate account is not stated
- Other charges
- Account Closing Fee $25.00 if closed within 6 months; Dormant Account Fee after 12 consecutive months of inactivity
What to know at Camden National
Camden National's deposit agreement recognizes executor, administrator and personal representative accounts of a decedent's estate as an ownership type. The bank honors the estate authority presented until it receives written notice that the authority has been altered or terminated. On notice of a death, Camden National freezes the deceased's solely owned accounts.
Not in Camden National's published guidance
- Whether it can be opened online, by phone, or by mail
- Whether every co-executor must sign or appear
- Whether the deceased must have banked there
- Whether an out-of-state executor can open one
- Whether the death certificate must be a certified copy
- What proof of the EIN it accepts
- Whether the account comes with online banking, checks, a debit card, or mobile deposit
- How the deceased's balances reach the estate account
General information about each bank's published estate-account requirements, not legal or banking advice. Requirements vary by state and account type. Consult the institution for its current requirements. Data verified Sep 16, 2026
Camden National's published guidance does not state whether an estate account can be opened online. It states the account can be opened in a branch.
Camden National asks for: Certified copy of the death certificate; Valid form of identity for the fiduciary (Driver's License, State ID, or Passport); Tax ID Number (EIN) of the estate; Probate documents, when available and if applicable (e.g., Letters Testamentary or Letters of Administration).
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.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Estate Inventory
Prepare the probate inventory of estate property — every asset at its date-of-death value, composed to your state's statute, with the state's filing or delivery instructions.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
How Much Can an Executor Charge?
Calculate how much an executor can charge for administering an estate.
Can I Self-File Probate?
Whether your state lets you open probate yourself, and what it costs with a lawyer and without one.
How Do I Get Letters Testamentary?
See the court that issues Letters Testamentary or Letters of Administration, the petition, the bond, and the documents to file.
What Are the Creditor Claim Deadlines?
Find creditor claim deadlines, notice requirements, and payment priority order for your state.
What Happens When an Estate Is Insolvent?
See the order your state pays an insolvent estate's debts and which claims go unpaid.
How Do I Claim a Deceased Person's Unclaimed Property?
See where to search for a deceased person's unclaimed property and what each state asks an heir or executor to send.
