How Do I Open an Estate Account at Capitol Federal?
Capitol Federal opens estate accounts for a court-appointed executor or administrator. The documents it asks for, what the account costs, and the steps it lists are below.
Opening an estate account at Capitol Federal
Where to open it
Not published by Capitol Federal
Documents to bring
- Letters of appointment from the probate court
- Identification
Steps at Capitol Federal
- 1Open the account as the estate's personal representative, executor or administrator.
- 2Bring identification. The bank may require your letters of appointment from the probate court and other documents.
What it costs
Capitol Federal does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account.
- Schedule that applies
- Not stated; the bank publishes a personal schedule and two business schedules, none naming an estate account
- Other charges
- Dormant account fee of $5.00 a month on savings after 24 months, and on checking and money market after 12 months, of no activity with an incorrect address; an account under $1.00 for 120 days may be closed.
| Account | To open | Monthly fee |
|---|---|---|
| Simple Blue Checking | $100 | No monthly maintenance charge |
| Genuine Blue Checking | $100 | $5.00 per month if the average daily balance is less than $1,000.00 |
| Passcard Savings | $100 | $2.00 per month if the average daily balance is less than $100.00 |
| Money Market Select | $5.00 per month if the average daily balance is less than $1,000.00 | |
| Commercial Savings | $5.00 per month if the average daily balance is less than $300.00 | |
| Small Business Blue Checking | $10.00 per month if the average daily balance is less than $2,000.00 |
Once it is open
- Online banking
- Available
What to know at Capitol Federal
Capitol Federal's deposit agreement lets a personal representative, executor or administrator open an account for the estate, and the bank may require letters of appointment from the probate court, identification and other documents. It relies on the letters until the probate court tells it in writing that the representative's authority has ended. Executor and administrator accounts can be enrolled in True Blue Online banking.
Not in Capitol Federal's published guidance
- Whether a branch appointment is needed
- Whether every co-executor must sign or appear
- Whether the estate's EIN is needed before opening
- Whether the death certificate must be a certified copy
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 Oct 27, 2026
Capitol Federal's published guidance does not state whether an estate account can be opened online.
Capitol Federal asks for: Letters of appointment from the probate court; Identification.
Capitol Federal does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account. The estate account carries the fees of whichever of Capitol Federal's 6 published accounts it is opened as.
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.
Sources
Data sourced from Capitol Federal primary sources (9 pages reviewed). How we research.
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Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
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 inheritance taxes.
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.
