How Do I Open a Trust Account at PNC Bank?

Opening or retitling

In a branch

Available

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 through pnc.com appointment setting.
2. 2
   Bring these documents to the appointment:

   • Your photo ID.
   • The first three pages of the trust, the revocable or irrevocable section, the signature pages and any amendments, or the full certification of trust.
   • 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 PNC contacts you within 4 business days to schedule a follow-up appointment if anything more is needed.
4. 4
   If you can't visit a branch, send your documents to PNC Bank, Document Review, PO Box 609, Pittsburgh, PA 15230-0609, Mailstop: P7-PFSC-05-4.

What it costs

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

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)

Schedule that applies

PNC Consumer Schedule of Service Charges and Fees and PNC Virtual Wallet Features and Fees (both effective May 31, 2026)

For trust accounts

A trust-titled account may not be eligible to link for relationship benefits, which removes the combined-balance route to a fee waiver. A trustee's date of birth does not qualify the account for the under-25 or 62-and-over waivers.

Other charges

Paper statements $3.00 a period on Standard Checking (unless a fee waiver is met) and $2.00 on PNC Simple Checking; paper statement with check images $5.00 on checking accounts other than Performance Select. PNC reserves an inactivity charge after six months without publishing a figure.

What to know at PNC Bank

PNC opens trust accounts through the Trust Account Services appointment in its Document and Signature Services. The Account Agreement for Personal Accounts requires any individual acting as trustee to be designated as such on PNC's records, and PNC may review and retain a copy of the trust agreement.

Not in PNC Bank's published guidance

• Whether it can be opened online, by phone, or by mail
• Whether the account is opened under the grantor's SSN or the trust's EIN
• 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