How Do I Open an Estate Account at Midland States?
Midland States publishes no estate-account opening procedure. What its guidance does cover, and its estate services contacts.
Estate accounts at Midland States
What to know at Midland States
Midland States Bank publishes nothing about opening a deposit account titled to an estate ("Estate of ..."). Verified 2026-07-16 across the public site: no estate-account or deceased-customer page exists; the Help Center FAQ answers only the generic question "How can I open an account?" ("Open your Midland account online or at any of our locations"); the Trust & Estate FAQ tab covers only professional-trustee services; and the Estate Administration Services page markets Midland Trust Company SERVING as executor/administrator — a professional fiduciary engagement, not a self-service estate account. Midland does not publish its consumer deposit account agreement, so no fiduciary/personal-representative account clause could be checked. The online account-opening portal (mozaik.my.site.com/msbonline, linked from midlandsb.com/personal/banking/apply) exposes only consumer product codes on its public deep links (Totally Free Checking, Direct Interest, High Yield Interest, 50+ Interest, Consumer Savings, Consumer Money Market, 6/12/24-month consumer CDs) and walls its full product catalog behind registration, so no estate ownership type could be confirmed or excluded there. An executor should call the Customer Care Center at 1-855-696-4352 or visit a branch and ask directly; nothing about estate-account availability, required documents, EIN timing, or minimum deposit is stated in writing.
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
Midland States 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 Midland States primary sources (4 pages reviewed). How we research.
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