How Do I Open a Trust Account at Fifth Third Bank?

What it costs

Fifth Third Bank does not state the monthly fee or fee-waiver balance for a trust account.

Opening deposit

$0 on both the consumer and the business schedule

Schedule that applies

Not stated; Fifth Third publishes a consumer and a business fee schedule (June 2026)

Other charges

Dormant account fee $5 a month on consumer checking and savings balances up to $2,499.99, after 12 months without activity on Momentum and Preferred Checking and 36 months on Momentum Savings and Relationship Money Market. No paper-statement or early-closing fee is published.

What to know at Fifth Third Bank

Under Fifth Third's Deposit Account Rules, the trust is the Customer, the current trustees are the signers, and a trust account is revocable by the grantor unless the trust says otherwise. Fifth Third can require documents showing authority before opening, and blocks changes and withdrawals until it has them. After opening, holders phone in the grantor's Social Security number, the trust TIN "if applicable" and beneficiary details.

Not in Fifth Third Bank's published guidance

• Which documents it asks for
• 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 you must already bank there
• Whether the account comes with online banking, checks, or a debit card

After the grantor dies: the successor trustee at Fifth Third Bank

The account

Continues under the successor trustee

A successor trustee appointed by the trust or by court order becomes the trustee on the existing account when a trustee dies or resigns. On notice of a death, Fifth Third can freeze any account and withhold funds until it receives the documentation it reasonably requests.