How Do I Open a Trust Account at First National 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

Not stated for trust accounts. FNB publishes minimum opening balances per product on the product pages, not on the fee schedule (Freestyle Checking: $50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch))

Monthly fee

Not stated for trust accounts. Freestyle Checking carries no monthly service charge; Lifestyle Checking $10.00, Premierstyle Checking $25.00, eStyle Account $5.00, FirstRate Savings $5.00 and FirstRate Money Market $10.00 per statement cycle

Fee waived at

Not stated for trust accounts. Lifestyle Checking: $1,000 or more per day average daily balance OR $10,000 or more combined average daily balance; Premierstyle Checking: $7,500 or more per day daily balance OR $25,000 or more combined minimum daily balance; FirstRate Savings: average daily balance of $500 or more; FirstRate Money Market: average daily balance of $5,000 or more

Other waivers

Not stated for trust accounts. No waiver, exclusion or age rule on the Consumer Fee Schedule names a trust, trustee or fiduciary account

Schedule that applies

FNB Consumer Fee Schedule (Effective May 4, 2026; Rev. 05/04/2026) -- the Deposit Account Agreement lists Trust Account among its Consumer Account Types and applies the Consumer Fee Schedule to Consumer Accounts

Other charges

Dormant Account Fee $10.00 per month, assessed after 24 consecutive months of inactivity (eStyle Account no charge); Early Account Closing $50.00 per account if the account is closed within 180 days of opening (eStyle Account, FirstRate Savings, IRA Savings and Private Banking Select Plus Checking no charge); Paper Statement Fee $3.95 per statement cycle on Freestyle Checking, Employee Checking, Student Checking, HSA and WorkPlace First Checking, $2.00 per statement cycle on the eStyle Account; Check Images Fee $3.00 per statement cycle in addition to the paper statement fee; Hold Mail Fee $10.00 per statement cycle

For trust accounts

Nothing. The Consumer Fee Schedule names no trust account, trust product, trustee or fiduciary ("trust" x1 -- the First National Trust Company investment-balance waiver route on Private Banking Select Plus Checking; "fiduciar" 0; control "checking" x44), and the Business Fee Schedule has "trust" 0. The Deposit Account Agreement's only fee sentences reaching a trust account are the account-universal dormancy and early-closing rules.

Who can open it

Existing customer

Not stated

Documents to bring

First National Bank publishes no document list for trust accounts.

Once it is open

Online banking

Not stated

Checks

Not stated

Debit card

Not stated

What to know at First National Bank

FNB's only published statement about a deposit account owned by a living trust is one clause of its Deposit Account Agreement (November 3, 2025), which lists "Trust Account" among the Consumer Account Types, defines it as owned by a trust created by a written trust agreement, and makes the trustees named in that agreement the Signers on the account. No page on fnb-online.com describes how to open or retitle such an account: FNB names no channel, no appointment rule, no document list, no proof-of-trust standard, no certification-of-trust form, no taxpayer-number rule, no co-trustee rule and no post-opening feature for a trust account. The agreement's general rule that changing account ownership requires a new signature card is not trust-scoped. Because a trust account is a consumer account type, the Consumer Fee Schedule governs it; that schedule names no trust product and no trust-scoped fee, waiver or exclusion, so the account's cost is whichever consumer product it is opened as. The account-universal charges an inactive trust account is exposed to are the $10.00 monthly Dormant Account Fee after 24 consecutive months of inactivity and the $50.00 Early Account Closing fee within 180 days of opening. The Knowledge Center articles that discuss living trusts and successor trustees (Trust Basics, Bypassing Probate, Wills: The Cornerstone of Your Estate Plan) are prepared by Broadridge Investor Communication Solutions and carry FNB's disclaimer that it does not warrant their adequacy, accuracy or completeness; they are education, not FNB procedure. The Private Family Wealth trust and fiduciary pages describe First National Trust Company acting as corporate trustee, not a deposit account. FNB publishes no successor-trustee or deceased-customer deposit procedure, so no successor limb is recorded.