How Do I Open a Trust Account at PNC Bank?

Opening or retitling

In a branch

Available

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

A certification of trust or the full instrument

Certification form

Not stated

What it costs

Opening deposit

$25.00 on every PNC consumer checking, savings and money market product ($0 if a savings or money market account is opened online)

Monthly fee

Not stated for trust accounts

Fee waived at

Not stated for trust accounts

Other waivers

Not stated for trust accounts. Trust-titled accounts may not be eligible to be linked for relationship benefits; a trustee's date of birth does not qualify the account for the age-based waivers (under-25 / 62-and-over)

Schedule that applies

PNC Consumer Schedule of Service Charges and Fees - Checking, Savings and Money Market Accounts (All Markets), effective May 31, 2026 (RDAOPC20-0526); PNC Virtual Wallet Features and Fees (All Markets), effective May 31, 2026

Other charges

Paper Statement Only: $3.00 per statement period on Standard Checking (no charge if a monthly-service-charge waiver option is met), $2.00 on PNC Simple Checking (no charge if the account holder is age 62 or older), no charge on all other accounts; Dual Statement Delivery $3.00 per statement period on most accounts ($2.00 Simple Checking, no charge Performance Select); Paper Statement with Check Images $5.00 per statement period on all checking accounts except Performance Select. Inactivity: the Account Agreement reserves "a nonrefundable inactivity charge" on an account inactive for six or more months but publishes no figure. No early-closing fee is published.

For trust accounts

"Trust" is named among the specialty titlings that "may not be eligible to be linked for relationship benefits" (footnote 12), which removes the combined-balance route to a monthly-service-charge waiver. "The date of birth for a fiduciary (i.e. Rep Payee, Trustee) is not eligible for the waiver" (footnote 5; Virtual Wallet footnote 2), so the under-25 and 62-and-over waivers do not reach a trust-titled account through its trustee. The Virtual Wallet schedule contemplates "an account owned by a living trust" only in its $5,000,000 combined Growth-balance cap. No monthly fee, opening deposit or waiver names a trust account.

Who can open it

Existing customer

Not stated

Documents to bring

• Your photo ID
• Trust agreement: first three pages, the revocable/irrevocable section, signature pages, and any amendments
• For a certification of trust: the full document
• Grantor information: name(s), address, date of birth, tax identification number, and date of death (if applicable)

Steps at PNC Bank

1. 1
   Make a branch appointment for Trust Account Services (via pnc.com appointment setting)
2. 2
   Bring PNC's published document package:

   • Your photo ID
   • For a trust agreement: the first three pages of the trust, the section stating whether the trust is revocable or irrevocable, the signature pages and any amendments -- or, for a certification of trust, the full document
   • Grantor information: name(s), address, date of birth, tax identification number, and date of death (if applicable)
3. 3
   The branch reviews the documents and determines if anything additional is needed; PNC contacts you within 4 business days to schedule a follow-up appointment, if necessary
4. 4
   If you can't visit a branch, mail your documents to PNC Bank, Document Review, PO Box 609, Pittsburgh, PA 15230-0609, Mailstop: P7-PFSC-05-4

Once it is open

Online banking

Not stated

Checks

Not stated

Debit card

Not stated

What to know at PNC Bank

PNC documents trust-account opening only in the "Trust Account Services" section of its Document and Signature Services page, as a branch appointment with a mail-in alternative through Document Review. PNC accepts either an excerpt of the trust agreement or a certification of trust, and requires the grantor's identifying information (including the grantor's tax identification number) under FDIC insurance rules; it does not state whether the account is then opened under the grantor's Social Security number or a trust EIN, whether an existing account can be retitled, whether all co-trustees must appear, or which consumer product the account is opened as. The Account Agreement for Personal Accounts requires any individual acting as trustee (or other fiduciary) to be designated as such on PNC's records, and reserves PNC's right to review and retain a copy of the trust agreement. PNC states no minimum trust-specific opening deposit and no estimated opening time; its published trust-scoped fee language is all exclusionary (relationship-benefit linking and age-based waivers).