How Do I Open a Trust Account at Capitol Federal?
Yes. Capitol Federal opens deposit accounts in the name of a revocable living trust. What Capitol Federal publishes about opening an account in the name of a revocable living trust, and what the successor trustee brings after a death.
Opening a trust account at Capitol Federal
Account type: Checking, Savings, Certificate of Deposit
Where to open it
Online
Opening or retitling
- Online
- Available
Who can open it
- Existing customer
- Not required
Documents to bring
- Social Security number or individual taxpayer identification number
- Government-issued identification
- Trust document, if the bank asks to see it
Steps at Capitol Federal
- 1Start the bank's online Trust Application to open a checking account, savings account or CD owned by the trust; an existing customer can add one the same way.
- 2Have your Social Security number or individual taxpayer identification number and a government-issued ID ready, and provide the trust document if the bank asks to see it.
Once it is open
- Online banking
- Available
What to know at Capitol Federal
Capitol Federal opens checking accounts, savings accounts and CDs owned by a trust through an online Trust Application for applicants 18 or older. The bank may rely on the owner's word about who the trust's beneficiary is, may ask to see the trust document, and treats a trust account as a non-personal account rather than a consumer account. Revocable trust accounts can be enrolled in True Blue Online banking.
Not in Capitol Federal's published guidance
- Whether it can be opened in a branch, by phone, or by mail
- Whether the account is opened under the grantor's SSN or the trust's EIN
- Whether a certification of trust or the full trust document is needed
- Whether it has its own certification of trust form
- Whether an existing account can be retitled to the trust
- Whether a branch appointment is needed
- Whether every co-trustee must sign or appear
- Whether the account comes with checks or a debit card
- What a trust account costs
General information about each bank's published trust-account requirements, not legal or banking advice. Requirements vary by state and account type. Consult the institution for its current requirements. Data verified Oct 27, 2026
Yes. Capitol Federal states that a trust account can be opened or retitled online.
Capitol Federal lists: Social Security number or individual taxpayer identification number; Government-issued identification; Trust document, if the bank asks to see it.
Capitol Federal does not state which taxpayer number a revocable trust account is opened under.
A trust account is a deposit account titled in the name of a trust rather than a person — for a revocable living trust, typically "[Trustee name], Trustee of the [Trust name]". While the grantor is alive and serving as trustee, the account is the grantor's to use; the trust title is what keeps the funds out of probate and lets the successor trustee take over without a court appointment.
A trust account holds assets that were titled to a trust before death, and the successor trustee takes control of it under the trust document. An estate account is opened after death by the court-appointed executor or administrator, under the estate's own EIN, for assets that were not in a trust and pass through probate. A family with a funded revocable trust may need only the trust account; a family with a will, or no will, opens an estate account.
Sources
Data sourced from Capitol Federal primary sources (5 pages reviewed). How we research.
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