How Do I Open an Estate Account at Seacoast Bank?
Seacoast Bank's estate-account opening requirements: where the account can be opened, the documents to bring, and the EIN requirement.
Opening an estate account at Seacoast Bank
Opening channels
- In a branch
- Not stated
- Online
- Not available
- By phone
- Not stated
- By mail
- Not stated
- Appointment
- Not stated
- Co-executors
- Not stated
Documents to bring
- Court order appointing the executor or administrator — the Deposit Account Agreement permits fiduciary accounts opened by persons named "as executors, administrators, or conservators under court orders" (Letters Testamentary or Letters of Administration)
- Identifying information for the person opening the account: name, address, date of birth, and a driver's license or other identifying documents (federal customer-identification requirement stated in the Deposit Account Agreement)
- Taxpayer identification number for the account with a certification that it is correct — for an estate account, the estate's EIN (Backup Withholding/TIN Certification section of the Deposit Account Agreement)
What to know at Seacoast Bank
Seacoast Bank opens estate accounts through the fiduciary-account provision of its Deposit Account Agreement (effective 01/01/2026): an account may be opened and maintained by executors or administrators under court orders, and the bank disclaims any duty to monitor or enforce the terms of the letters. Seacoast publishes no estate-account opening procedure — no page states an appointment or co-fiduciary rule, a Letters recency window, a minimum deposit, or an estate-specific account type. The online application at openaccount.seacoastbank.com is a personal-account flow whose only ownership options are an individual applicant plus an optional "Open a Joint Account" election; it offers no estate or fiduciary ownership type, so an estate account cannot be opened online. Whether opening happens in branch, by phone, or by mail is not documented; customer service is 800-706-9991.
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
No. Seacoast Bank states an estate account cannot be opened online.
Seacoast Bank asks for: Court order appointing the executor or administrator — the Deposit Account Agreement permits fiduciary accounts opened by persons named "as executors, administrators, or conservators under court orders" (Letters Testamentary or Letters of Administration); Identifying information for the person opening the account: name, address, date of birth, and a driver's license or other identifying documents (federal customer-identification requirement stated in the Deposit Account Agreement); Taxpayer identification number for the account with a certification that it is correct — for an estate account, the estate's EIN (Backup Withholding/TIN Certification section of the Deposit Account Agreement).
Seacoast Bank's published guidance does not state a co-executor appearance rule. When more than one executor or administrator was appointed, confirm with Seacoast Bank 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.
Sources
Data sourced from Seacoast Bank primary sources (3 pages reviewed). How we research.
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