How Do I Open a Trust Account at Regions?

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

The full trust instrument

Certification form

Not stated

What it costs

Opening deposit

Not stated for trust accounts. Every personal checking and money market product and both adult savings products on the Personal Pricing Schedule carry a $25 minimum opening deposit

Monthly fee

Not stated for trust accounts

Fee waived at

Not stated for trust accounts

Other waivers

Not stated for trust accounts. A related account titled with a Trustee, Co-Trustee or Grantor ownership designation counts toward LifeGreen Preferred Checking relationship pricing (Personal and Private Wealth Management schedules); on the Business schedule, Trust accounts are excluded from the $30,000 related non-personal balance that waives the Advantage Business Checking monthly fee

Schedule that applies

Not published for trust accounts. The Regions Deposit Agreement (09/26) incorporates "our pricing schedule" without assigning a formal trust account to the Personal, Business or Private Wealth Management schedule (each Effective September 9, 2026)

Other charges

Paper Statement $3.00 (LifeGreen Checking and 62+ LifeGreen Checking price it into the $11 with paper statements monthly fee; LifeGreen Preferred Checking $0); Printed Check Images With Paper Statement $4.00; Deluxe Check Images With Paper Statement $5.00/month; Early Account Closing (within 180 days) $25.00. Dormancy: the Deposit Agreement reserves "a reasonable service charge" on abandoned or dormant accounts but publishes no figure; inactive checking and money market accounts (92 days with no customer-initiated activity) may be moved to quarterly statements while "Monthly account fees will continue to apply."

For trust accounts

Personal and PWM schedules, Relationship Checking Account Ownership Requirements: a related account may be "established with one of the following ownership designations", a list that includes "Co-Trustee", "Grantor" and "Trustee" -- trust-titled accounts are contemplated on the personal side and count toward the LifeGreen Preferred Checking waiver. Business schedule, Advantage Business Checking footnote 4: "Combined balances in related non-personal accounts can include $30,000 in non-personal checking, savings and money market accounts (excluding Public Funds, IOLTA IOTA, and Trust accounts)" -- a trust account cannot supply that waiver balance. No schedule names a trust product, a trust opening deposit or a trust monthly fee.

Who can open it

Existing customer

Not stated

Documents to bring

• Written trust agreement (or the will creating the trust), provided at account opening
• Certificates, affidavits or instruments attesting to the terms of the trust, if Regions requires them

Once it is open

Online banking

Not stated

Checks

Not stated

Debit card

Not stated

What to know at Regions

Regions documents trust deposit accounts only in its Deposit Agreement: Section 24 (Formal Trust Account) defines the account as one held by trustees under a written trust agreement or will provided at opening, reserves Regions' option to require certificates, affidavits or instruments from the trustees or beneficiaries, and lets Regions accept those in lieu of reviewing the trust instrument; Section 30 (Fiduciary Accounts) disclaims any duty to supervise trust-account transactions and makes the depositors indemnify the bank. Regions publishes no trust-account opening page, channel, appointment rule, retitling procedure, taxpayer-number rule, co-trustee rule, document checklist, certification-of-trust form, estimated opening time, or product assignment; the Personal and Private Wealth Management pricing schedules contemplate Trustee, Co-Trustee and Grantor ownership designations on related deposit accounts, and the Business schedule excludes Trust accounts from one waiver balance. After a trustee's death or replacement, Section 24 says only that Regions will not release funds "until we are satisfied that all required legal documents have been delivered to us"; no successor-trustee procedure is published. Regions Private Wealth Management offers advisor-managed trust services (Regions as trustee or agent), which is a different product from a deposit account titled to a client's own revocable trust. To reach a banker: 1-800-REGIONS (734-4667), or the Make an Appointment page (banker by phone or in person).