How Do I Open an Estate Account at Rockland Trust?
Rockland Trust opens estate accounts for a court-appointed executor or administrator. The documents it asks for, what the account costs, and the steps it lists are below.
Opening an estate account at Rockland Trust
Where to open it
Not published by Rockland Trust
How it opens
- Online
- Not available
Documents to bring
- Signature card designating the personal representative
- Court order or other document under which the account is opened
- Employer Identification Number, if the account is opened under the Business Deposit Account Agreement
What it costs
Rockland Trust does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account.
- Other waivers
- No estate or fiduciary waiver, exclusion or surcharge in either schedule. The Dormant Account Fee is waived on business savings and money market accounts and on Free Savings, among other accounts
- Schedule that applies
- Not stated for estate accounts; Business Rates and Fees Schedule (Effective October 11, 2025) or Personal Rates and Fees Schedule (Effective October 14, 2025)
- For estate accounts
- Personal agreement: "To open a personal deposit account with us, you must be an individual using the deposit account for personal, family or household purposes". Business agreement: "Business deposit accounts may be maintained by corporations, ... partnerships, sole proprietorships and fiduciaries"
- Other charges
- Dormant Account Fee $5.00 after one year of no activity with a daily balance under $500; Escheatment Fee $50.00
| Account | To open | Monthly fee | Waiver or condition |
|---|---|---|---|
| Free Business Checking | $25 | NONE | |
| Free Community Association Checking | $25 | NONE | |
| Complete Business Checking | $25 | $25 | $10,000 average daily collected amount or $25,000 in combined business checking and savings deposits (excludes CDs) |
| Commercial Checking | $25 | $25 | |
| Premier Community Association Checking | $25 | ||
| IOLTA Checking | $25 | NONE | |
| Business Savings | $25 | $5 | $1,000 minimum daily balance |
| Complete Business Money Market Savings | $25 | $10 | $2,500 |
| Community Association Money Market Savings | $25 | ||
| Free Checking | $25 | NONE | |
| Free Savings | $10 | NONE | |
| Free Student Checking | $10 | ||
| Savings Makes Cent$ | $10 | ||
| Advantage Checking | $25 | $10 | $2,000 daily |
| Renew Checking | $10 | ||
| Money Market Savings | $25 | $8 | $2,500 daily |
| IMG Premier | $25 | NONE | |
| Rockland Complete Money Market | $250 | ||
| Rockland Complete Checking | $500 | $25 | a combined $25,000 average daily balance |
| 65 Classic | NONE | ||
| Youth | NONE | ||
| Workplace Interest | NONE |
What to know at Rockland Trust
Rockland Trust governs a personal representative's account by the court order or other document under which it is opened, and reserves the right to request whatever documentation it needs to open the account. Enterprise Bank and Trust Company merged into Rockland Trust effective July 1, 2025.
Not in Rockland Trust's published guidance
- Whether it can be opened in a branch, 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 24, 2026
No. Rockland Trust states an estate account cannot be opened online.
Rockland Trust asks for: Signature card designating the personal representative; Court order or other document under which the account is opened; Employer Identification Number, if the account is opened under the Business Deposit Account Agreement.
Rockland Trust does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account. Personal agreement: "To open a personal deposit account with us, you must be an individual using the deposit account for personal, family or household purposes". Business agreement: "Business deposit accounts may be maintained by corporations, ... partnerships, sole proprietorships and fiduciaries". Rockland Trust's 22 published accounts are listed above with their fees and waivers; the estate account carries the fees of the account 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.
Sources
Data sourced from Rockland Trust primary sources (3 pages reviewed). How we research.
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Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
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 inheritance taxes.
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 Appointed as Executor?
See the court, petition, bond, and documents needed to be appointed and receive your Letters.
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.
What Is the Estate's Personal Property Worth for Probate?
Estimate the fair market value of household items for probate and see how it affects fees.
