How Do I Open a Trust Account at Truist?
Yes. Truist opens deposit accounts in the name of a revocable living trust. What Truist 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 Truist
Account type: Written Trust
Where to open it
Not published by Truist
Opening or retitling
- Online
- Not available
What it costs
Truist does not state the opening deposit, monthly fee, or fee-waiver balance for a trust account.
- Schedule that applies
- Truist Personal Deposit Accounts Fee Schedule (effective 09/28/2026); Truist's consumer agreement lists the written trust as an account type
- For trust accounts
- Balances in revocable trust accounts count toward the combined balance that waives the Truist Marquee Checking fee.
| Account | To open | Monthly fee | Waiver or condition |
|---|---|---|---|
| Truist One Checking | $50 | $12.00 | $500 or more in total qualifying Direct Deposits per statement cycle; or a total combined ledger balance of $500 or more in Truist related accounts; or a related Truist personal credit card, mortgage, or consumer loan; or a linked Small Business Checking account; or primary client is a student, under the age of 25, or age 62 and older |
| Truist Confidence Account | $25 | $5.00 | $500 or more in total deposits per statement cycle; or 10 or more qualifying transactions per statement cycle; or primary client is a student, under the age of 25, or age 62 and older |
| Truist Marquee Checking | $100 | $35.00 | waived for the first 3 statement cycles; then a total combined ledger balance of $250,000 or more in Truist related accounts |
| Truist One Savings | $50 | $5.00 | minimum daily ledger balance of $300; or a recurring preauthorized internal transfer of $25 or more per statement cycle; or a minor under the age of 18; or any related Truist checking product |
What to know at Truist
Truist's Bank Services Agreement provides a Written Trust account type and says "For legal entities, estates and trusts the TIN is their Employer Identification Number". Truist changes account ownership by closing the account and opening a new one under the new ownership designation. Truist Wealth routes its trust account setup through a Truist advisor.
Not in Truist's published guidance
- Which documents it asks for
- Whether it can be opened in a branch, by phone, or by mail
- 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
No. Truist states that a trust account cannot be opened online, and names no other channel.
Truist publishes no document list for trust accounts.
Truist 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 Truist primary sources (10 pages reviewed). How we research.
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