How Do I Open a Trust Account at Chase?

Opening or retitling

In a branch

Available

Online

Not available

By phone

Not available

By mail

Not available

Appointment

Required

Co-trustees

Not stated

Existing account

Not stated

What proves the trust

A certification of trust or the full instrument

Certification form

Not stated

What it costs

Opening deposit

Not stated for trust accounts

Monthly fee

Not stated for trust accounts

Fee waived at

Not stated for trust accounts

Other waivers

Not stated for trust accounts. "New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods"

Schedule that applies

"Additional Banking Services and Fees for Personal Accounts" (part of the Chase Deposit Account Agreement), Effective 6/14/2026

For trust accounts

The only trust-scoped fee language Chase publishes is a waiver in the trust's favour: early withdrawal penalties on personal non-retirement CDs are waived on "Death of a CD owner or a grantor of a revocable family/living trust" and on "Re-titling of a CD to transfer ownership of funds into a living trust without moving funds from the bank and where no change in term or rate occurs" (fee schedule page 24; Deposit Account Agreement page 23). No monthly fee, opening deposit or waiver names a trust or fiduciary account.

Who can open it

Existing customer

Not stated

Documents to bring

• Certification of trust, or other trust documents (trust agreement; certificate of trust; court order establishing trust)
• Power of attorney document (if applicable)
• State-required documents (if applicable)
• Trust amendment (if applicable)
• Death certificate (if applicable)
• Primary and secondary IDs confirming a current U.S. residential address, for all trustees

Steps at Chase

1. 1
   Gather the trust documents: the certification of trust or other trust documents (trust agreement, certificate of trust, or court order establishing the trust), plus any trust amendment, power of attorney document, state-required documents or death certificate that applies
2. 2
   Gather primary and secondary IDs confirming a current U.S. residential address for all trustees (ID requirements are subject to change based on account or customer information; contact the local branch for additional ID requirements)
3. 3
   Schedule an in-person meeting with a banker at a Chase branch to open or service the trust bank account (JPMorgan Private Client customers instead contact their Relationship Manager or Senior Private Client Banker)
4. 4
   Attend the meeting -- all trustees may need to be present, and more than one branch visit may be required; requirements may vary by state

Once it is open

Online banking

Not stated

Checks

Not stated

Debit card

Not stated

What to know at Chase

An agent with a power of attorney may be able to open a trust account "if the trust and power of attorney allows an agent to open the account" -- the opposite of Chase's estate-account rule, where an agent with a power of attorney cannot open the account at all. Chase names its own "Chase Certification of Trust" in the Deposit Account Agreement and agrees to rely on it in place of the trust instrument, its amendments and restatements, with the trustee indemnifying Chase for that reliance; the form itself is not published on chase.com that this pass could find, so expect to complete it at the branch meeting. The phone route on Chase's investments trust page (1-800-392-5749, up to 45 minutes) opens a J.P. Morgan Securities brokerage trust account, not a deposit account. Chase does not state whose taxpayer number a revocable trust deposit account is opened under, a minimum opening deposit, or an estimated opening time.