How Do I Open an Estate Account at PlainsCapital?

Opening channels

In a branch

Available

Online

Not stated

By phone

Not stated

By mail

Not stated

Appointment

Not stated

Co-executors

Not stated

Minimum deposit

$100 (business checking products)

Documents to bring

• Completed Business Banking New Account Form (from the PlainsCapital Bank Commercial Switch Kit) -- "Estate" is one of the entity types on the form
• Death certificate with Letters Testamentary or Letters of Administration
• Federal Tax Identification Number (EIN) for the estate -- the form's TIN field accepts a Social Security number only for a sole proprietorship or trust, so an estate supplies an EIN; the IRS TIN Confirmation Letter may be requested
• A legible copy of a valid driver's license or state identification card for each authorized signer

Steps at PlainsCapital

1. 1
   Obtain the estate's EIN from the IRS (the estate cannot use the decedent's Social Security number; the form reserves the SSN alternative for sole proprietorships and trusts)
2. 2
   Download the PlainsCapital Bank Commercial Switch Kit from plainscapital.com and fill out the Business Banking New Account Form, checking "Estate" as the Type of Business and entering the estate's Federal Tax Identification Number
3. 3
   Gather the documents the form lists for an Estate:

   • Death certificate with Letters Testamentary or Letters of Administration
   • IRS TIN Confirmation Letter (the form says it may be requested)
   • A legible copy of a valid driver's license or state ID card for each authorized signer
4. 4
   Bring the printed form and documents to a PlainsCapital Bank branch in Texas (branch locator: https://www.plainscapital.com/locations/) -- the form instructs: fill out and print, "then bring it with you when you come in to open your new account"
5. 5
   Choose the deposit products for the estate; business checking accounts carry a $100 minimum opening deposit

What to know at PlainsCapital

PlainsCapital routes estate accounts through its BUSINESS banking intake: "Estate" is a named entity type on the Business Banking New Account Form in the Commercial Switch Kit (2026 update), with its own documentation line -- death certificate with letters of testamentary or administration -- and the products opened on that form are bound by the Commercial Deposit Account Agreement, not the consumer one. The form is a print-and-bring-in document ("bring it with you when you come in to open your new account"), which is why in-branch is the one confirmed channel. The bank's online application page lists business checking products but never surfaces an Estate entity path, and the switch page's phone number (866-762-8392) is offered for switching help rather than documented as an estate-account opening channel -- so online, phone, and mail are recorded as unclear rather than unavailable. No appointment requirement, co-fiduciary rule, Letters recency window, or estate-specific timeline is published.