How Do I Open an Estate Account at FNBO?

FNBO'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 FNBO

Where to open it

Not stated — contact FNBO

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

Specific documents FNBO requires for executor accounts — the Deposit Agreement states it "may require specific documents" and that these accounts "may require additional paperwork," but does not enumerate them
Customer identification program information for the person opening the account: name, physical address, date of birth, Social Security number, and possibly a driver's license or other identifying documents
Completed account paperwork FNBO provides ("You must complete the paperwork we provide")

What to know at FNBO

FNBO's Deposit Agreement (10-1-2025) confirms it opens fiduciary accounts for executors and conservators under its "Trust and Similar Accounts" provision, and cautions that the bank "is not obligated to treat your account as one of these types unless indicated in our records otherwise." Beyond that clause, FNBO publishes no estate-account opening process: no required-document list, no channel guidance, no minimum deposit, and no stated recency window for Letters. The Trust & Estate Services line (1-800-538-7298) and Wealth Services (1-888-916-8378) are the documented contacts for estate matters; the separate FNBO Wealth / FNN Trust Company estate-settlement offering is corporate fiduciary administration (FNBO serving as executor or agent), not self-directed estate account opening.

Estate services: 1-800-538-7298View FNBO'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

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

FNBO asks for: Specific documents FNBO requires for executor accounts — the Deposit Agreement states it "may require specific documents" and that these accounts "may require additional paperwork," but does not enumerate them; Customer identification program information for the person opening the account: name, physical address, date of birth, Social Security number, and possibly a driver's license or other identifying documents; Completed account paperwork FNBO provides ("You must complete the paperwork we provide").

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