How Do I Open an Estate Account at Glacier Bank?
Glacier Bank 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 Glacier Bank
Where to open it
In a branch
How it opens
- In a branch
- Available
Documents to bring
- Government-issued ID for the person opening the account
What it costs
Glacier Bank does not state the monthly fee or fee-waiver balance for an estate account.
- Opening deposit
- $0 on every checking product, personal and business
- Other waivers
- No relationship or combined-balance waiver published; the $2.00 Savings service charge is waived only until the account owner turns 18 years old
- Schedule that applies
- Fee Schedule effective January 1, 2026, Glacier Bank's single deposit fee schedule for consumer and business accounts
- Other charges
- Early Closing Fee $10.00 if account is closed within the first 90 days
| Account | To open | Monthly fee | Waiver or condition |
|---|---|---|---|
| Totally Free Checking | $0 | No service charge | |
| Easy Interest Checking | $0 | No service charge | |
| 50+ Interest Checking | $0 | No service charge | |
| Premier Interest Checking | $0 | $6.00 every statement cycle | charged if the balance falls below $1,500.00 any day of the statement cycle |
| Money Market | $10.00 | charged below $2,500.00 | |
| Premier Money Market | $10.00 | charged below $5,000.00 | |
| Savings | $2.00 per month | charged below $100.00 | |
| Premier Savings | $2.00 per month | charged below $100.00 | |
| Totally Free Business Checking | $0 | No service charge (capped at 200 items per statement cycle) | |
| Simply Business Checking | $0 | 500 free items, then $0.50 per item | |
| Commercial Checking | $0 | $10.00 each month, plus $0.25 per credit and $0.10 per debit | |
| Business Interest Checking | $6.00 | charged below $1,500.00 | |
| Public Funds Checking | $6.00 | charged below $1,500.00 | |
| Realtor/Lawyer Trust Checking | $10.00 each month, plus $0.25 per credit and $0.10 per debit | ||
| Business Money Market | $10.00 | charged below $2,500.00 | |
| Premier Business Money Market | $10.00 | charged below $5,000.00 | |
| Business Savings | $2.00 | charged below $100.00 | |
| CD or term IRA | $500.00 |
What to know at Glacier Bank
Glacier Bank's deposit agreement lists estate accounts as a type of fiduciary account and disclaims any bank duty to monitor the fiduciary. An account identified as a fiduciary account is not subject to the bank's right of setoff, or to execution, levy, or garnishment against the fiduciary. Glacier Bank's divisions are not separately FDIC insured, and cashier's checks used for distributions are $5.00 each.
Not in Glacier Bank's published guidance
- Whether it can be opened online, by phone, or by mail
- 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 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 17, 2026
Glacier Bank's published guidance does not state whether an estate account can be opened online. It states the account can be opened in a branch.
Glacier Bank asks for: Government-issued ID for the person opening the account.
Opening deposit: $0 on every checking product, personal and business. Glacier Bank does not state the monthly fee or fee-waiver balance for an estate account. The estate account carries the fees of whichever of Glacier Bank's 18 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.
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.
