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

Opening or retitling

In a branch

Not stated

Online

Not stated

By phone

Not stated

By mail

Not stated

Appointment

Not stated

Co-trustees

Not stated

Existing account

Not stated

What proves the trust

Not stated

Certification form

Not stated

What it costs

Opening deposit

$0 on both the consumer and the business schedule

Monthly fee

Not stated for trust accounts

Fee waived at

Not stated for trust accounts

Other waivers

Not stated for trust accounts. The Preferred Checking combined-balance waiver counts other accounts only when "One of the Fifth Third Preferred Checking account owners must be listed as a valid owner on the other accounts"; the savings waiver requires that "All owners of your savings account must also be listed together as owners on any Fifth Third checking account". Fifth Third does not say how a trust-titled account (whose Customer is the trust) is treated under either rule.

Schedule that applies

Not stated for trust accounts; Consumer Product Disclosures and Fee Information (Issue Date June 25, 2026; fee chart LIDN 4826, product disclosures LIDN 4788) or Business Product Disclosures (LIDN 5749, Issue Date June 2026)

Other charges

Dormant Account Monthly Fee $5 per month on consumer checking and savings accounts (the consumer fee chart), assessed on balances of $.01 up to $2,499.99 after 12 months of inactivity on Momentum Checking and Preferred Checking, and after 36 months of inactivity on Momentum Savings and Relationship Money Market; Express Banking is considered dormant after 395 calendar days and no fee is assessed. Copy of check or statement $0 – no fee; check images mailed with the monthly statement $0 – no fee. No paper-statement fee and no early-closing fee is published on the consumer schedule.

For trust accounts

Nothing. Neither fee document names a trust, trustee or fiduciary account: no trust product, no waiver exclusion, no dormancy exemption. The Rules say only "Your account is subject to the fees described in the fee schedule applicable to your account."

Who can open it

Existing customer

Not stated

Documents to bring

Fifth Third Bank publishes no document list for trust accounts.

Once it is open

Online banking

Not stated

Checks

Not stated

Debit card

Not stated

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

Death certificate

Not stated

Trust's own EIN

Not stated

The account

Continues under the successor trustee

Online banking

Not stated

Appointment

Not stated

Fifth Third Bank publishes no document list for a successor trustee.

Fifth Third’s Deposit Account Rules make the trust the Customer and provide that a successor trustee appointed by the trust or by court order becomes the trustee on the existing account when a trustee dies or resigns. The Rules also let the bank freeze any account on notice of a death and withhold funds until it receives whatever documentation it reasonably requests. Fifth Third publishes no successor-trustee procedure, no document list, no death-certificate standard and no EIN rule for the trust after the grantor’s death.

What to know at Fifth Third Bank

Fifth Third documents trust deposit accounts only in its Deposit Account Rules & Regulations (LIDN 4238, Issue Date June 25, 2026): section 2.4 makes the trust the Customer and the current trustees the account signers, provides that a successor trustee appointed by the trust or by court order becomes the trustee on a trustee’s death or resignation, and treats every trust account as revocable by the grantor during life unless the trust says otherwise; section 2.6 reserves the bank’s right to require any documents it reasonably requests to demonstrate authority before opening a trust account and to block changes and withdrawals until it has them. Fifth Third publishes no trust-account opening page, no document list, no certification-of-trust form, no channel, appointment, co-trustee or retitling rule, and no statement of which taxpayer number a revocable trust account is opened under; its FDIC Part 370 notice asks trust-account holders, after opening, to phone in the grantor’s Social Security number, the trust TIN "if applicable" and each beneficiary’s details for pass-through insurance recordkeeping. Neither fee schedule names a trust or fiduciary account; the minimum opening deposit is $0 on both, and the monthly fee depends on the product the bank opens for the trust. Fifth Third Private Bank separately offers corporate-trustee and estate-settlement services; those pages concern Fifth Third administering a trust, not a customer’s own trust holding a deposit account.