How Do I Open a Trust Account at First National Bank?
Yes. First National Bank opens deposit accounts in the name of a revocable living trust. What First National Bank 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 First National Bank
Where to open it
Not published by First National Bank
What it costs
First National Bank does not state the opening deposit, monthly fee, or fee-waiver balance for a trust account.
- Schedule that applies
- FNB Consumer Fee Schedule (effective May 4, 2026)
- Other charges
- Dormant account fee $10.00 a month after 24 months without activity; early closing $50.00 if the account is closed within 180 days of opening; paper statements $3.95 a cycle on Freestyle Checking; check images $3.00 a cycle.
| Account | To open | Monthly fee | Waiver or condition |
|---|---|---|---|
| Freestyle Checking | $50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch) | No monthly service charge | No minimum balance requirement; the $3.95 paper statement fee is avoided with online statements |
| Lifestyle Checking | $10.00 | $1,000 or more per day average daily balance OR $10,000 or more combined average daily balance, for the preceding month, in any combination of checking, savings, certificate of deposit, IRA, money market accounts or consumer loan balances; service charge reduced to $9.00 with online statements | |
| Premierstyle Checking | $25.00 | $7,500 or more per day daily balance OR $25,000 or more combined minimum daily balance, for the preceding month, in any combination of checking, savings, certificate of deposits, IRA, money market accounts or consumer loan balances | |
| eStyle Account | $5.00 | Make at least ONE (1) deposit OR FIVE (5) customer-initiated transactions during the statement cycle | |
| FirstRate Savings | $5.00 | Average daily balance of $500 or more | |
| FirstRate Money Market | $10.00 | Average daily balance of $5,000 or more |
What to know at First National Bank
FNB's Deposit Account Agreement lists Trust Account among its consumer account types: an account owned by a trust created by a written trust agreement, with the trustees named in that agreement as the signers.
Not in First National 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
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 Sep 21, 2026
First National Bank's published guidance does not state where a trust account is opened.
First National Bank publishes no document list for trust accounts.
First National Bank 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 First National Bank primary sources (6 pages reviewed). How we research.
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