How Do I Open an Estate Account at Centennial Bank?
Centennial Bank publishes no estate-account opening procedure. What its guidance does cover, and its estate services contacts.
Estate accounts at Centennial Bank
What to know at Centennial Bank
Centennial Bank publishes nothing about opening a deposit account titled to an estate. Site-wide checks of my100bank.com on 2026-07-16 -- the General Banking FAQ, the personal and business checking lineups, the Online Account Opening overview, the Schedule of Fees (CEN-SOF.pdf), the account brochures, and the trust-services page, plus domain-pinned searches for estate account, executor, personal representative, Letters Testamentary, deceased, fiduciary, and EIN -- surfaced no estate-account product, no fiduciary ownership type, no document checklist, and no channel statement. The only published account-opening paths are the personal ones: the online flow opens a Checking, Savings, or CD with the applicant's own Social Security number, government-issued ID, and an opening deposit ("Not all products are available through online account opening"), and the checking page routes everything else to a branch. The General Banking FAQ routes account changes to a location (Customer Care updates addresses only). The bank publishes no consumer deposit account agreement -- the Schedule of Fees points to "the Truth in Savings document provided in your account opening packet" -- so no estate or fiduciary ownership clause could be quoted. The Trust Department's "Estate Administration and Settlement" listing is a managed corporate-fiduciary service, not a self-directed estate checking account for an outside executor. Whether Centennial opens estate-titled accounts, and through which channels, is therefore unverified from primary sources; an executor would need to ask the Customer Care Center (1-888-372-9788) or a branch directly.
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
Centennial Bank publishes no estate-account opening procedure, and its guidance does not state whether estate accounts are offered. Its estate services team can confirm directly.
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 Centennial Bank primary sources (6 pages reviewed). How we research.
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