How Do I Open an Estate Account at Simmons Bank?

Simmons Bank'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 Simmons Bank

Where to open it

Not stated — contact Simmons Bank

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

Documents to bring

Court order appointing the executor or administrator — the Personal Account Terms and Conditions "Fiduciary Accounts" section permits accounts opened by persons named "as executors, administrators, or conservators under court orders" (Letters Testamentary or Letters of Administration)

What to know at Simmons Bank

Simmons Bank offers estate accounts through the Fiduciary Accounts provision of its Personal Account Terms and Conditions: an account may be opened and maintained by executors or administrators under court orders, and the bank disclaims any obligation to monitor or enforce the terms of the letters. Simmons Bank publishes no estate-account opening procedure — no page states whether opening happens online, by phone, by mail, or in branch, no appointment or co-fiduciary rule, no Letters recency window, no minimum deposit, and no estate-specific account type. The online account-opening page lists six online-eligible consumer products (Smart Checking, Signature Checking, Signature Plus Checking, Certificate of Deposit, Simply Savings, Elevate Money Market) and states that opening requires a valid state-issued ID and the applicant's SSN; no fiduciary or estate option appears in the flow. Deposit-account questions route to Customer Service at 1-866-246-2400 (Monday-Friday 7:30 a.m. to 6:00 p.m. CT; Saturday 8:00 a.m. to noon CT).

Estate services: 1-866-246-2400View Simmons Bank'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

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

Simmons Bank asks for: Court order appointing the executor or administrator — the Personal Account Terms and Conditions "Fiduciary Accounts" section permits accounts opened by persons named "as executors, administrators, or conservators under court orders" (Letters Testamentary or Letters of Administration).

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