How Do I Open an Estate Account at Huntington?

Huntington's estate-account opening requirements: where the account can be opened, the documents to bring, and the EIN requirement.

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Opening an estate account at Huntington

Account type: Estate Checking

Where to open it

Not stated — contact Huntington

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
Minimum deposit: None (Estate Checking: "Minimum deposit to open . . . None")

Documents to bring

Documents and authorizations the bank deems necessary to verify the opener's authority and identity (the Consumer Deposit Account Agreement does not itemize them for estate accounts)

What to know at Huntington

Huntington offers a dedicated Estate Checking account (a registered service mark, with its own fee-schedule section in the Personal Account Disclosures, effective August 2016): $7.50 monthly maintenance fee, avoided with a $500 daily minimum balance or $750 average daily balance; non-interest-bearing; no minimum deposit to open. The Consumer Deposit Account Agreement (effective March 15, 2026) also exempts Estate Checking from the federal seven-day withdrawal-notice reservation. Huntington's public pages do not document the opening channels, an itemized document list (Letters, death certificate, EIN letter), EIN timing, or an appointment requirement for estate accounts; the deposit agreement reserves the right to require any documents needed to verify authority and identity. Estate Checking does not appear among the accounts listed on Huntington's online account-opening page (huntington.com/applyonline), but no page affirmatively states it cannot be opened online. Separately, Huntington Private Bank offers full estate settlement administration at 1-877-575-2265, option 2.

Estate services: 1-877-575-2265View Huntington'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

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

Huntington asks for: Documents and authorizations the bank deems necessary to verify the opener's authority and identity (the Consumer Deposit Account Agreement does not itemize them for estate accounts).

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