How Do I Open an Estate Account at Texas Capital?
Texas Capital 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 Texas Capital
Where to open it
Not published by Texas Capital
How it opens
- Online
- Not available
Documents to bring
- Affidavit of succession or similar certification, if a successor fiduciary takes over the account
- Taxpayer Identification Number (Social Security Number or Employer Identification Number)
What it costs
Texas Capital does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account.
- Schedule that applies
- Not stated for estate accounts; Personal Banking Fee Schedule or Small Business Banking Fee Schedule, both Effective 7/15/2024
| Account | To open | Monthly fee | Waiver or condition |
|---|---|---|---|
| Star Checking | $0 | ||
| Star Plus Checking | $0 | ||
| Star Money Market | $100 | $0 | |
| Star Savings | $0 | $0 | |
| Star High-Yield Savings | $0 | $0 | |
| Shooting Star Savings | $0 | ||
| Select Business Checking | $12 | Average collected balance of $1,500 | |
| Elite Business Checking | $12 | Daily ledger balance is $1,500 or monthly average ledger balance is $2,500+ | |
| Business Money Market | $12 | Daily ledger balances of $2500 and above | |
| Edge Business Savings | $5 | Average collected balances of $1500 and above | |
| Analyzed Checking | $100 | ||
| Interest Checking | $100 | $12 per month | $1,500 minimum daily balance or $2,500 average ledger balance |
What to know at Texas Capital
Texas Capital's Personal & Small Business Banking and Commercial Banking Terms and Disclosures both govern estate accounts as fiduciary accounts and let the bank require, at opening, the documents it deems necessary to establish the fiduciary's authority. By opening the account the bank does not act as a fiduciary or trustee, and the fiduciary indemnifies the bank in an individual capacity.
Not in Texas Capital'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. Texas Capital states an estate account cannot be opened online.
Texas Capital asks for: Affidavit of succession or similar certification, if a successor fiduciary takes over the account; Taxpayer Identification Number (Social Security Number or Employer Identification Number).
Texas Capital does not state the opening deposit, monthly fee, or fee-waiver balance for an estate account. Texas Capital's 12 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 Texas Capital primary sources (12 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.
