{ "title": "Beneficiary Designation and Trust Account Rules at US Financial Institutions", "publisher": "StepUpLaw", "license": "CC BY 4.0", "retrieved_from": "2026-09-24", "retrieved_to": "2026-09-26", "institutions_checked": 546, "rows": [ { "inst_id": "ins-allianz-life", "institution": "Allianz Life Insurance Company of North America", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned annuity contracts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "transfer to a trust owner (SFAL0013, 10/2023); Entity Customer Information and Non-Individual Ownership forms also needed", "quote": "If a trust is designated as the new owner, please provide an Entity Customer Information form and a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s). For annuity contracts, a Non-Individual Ownership form must also be completed.", "account_type": "Trust-owned annuity contracts", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Allianz Certification of Trust form NBAL0049 (6/2022)", "quote": "a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s)", "account_type": "Trust-owned annuity contracts", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "certification or excerpt pages", "quote": "a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s)", "account_type": "Trust-owned annuity contracts", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "2015 form S2263, pages with trust name, date, trustee and successor trustee names, signature page; 2023 form, pages showing trust name and acting trustee(s)", "quote": "If you are designating a trust on a nonqualified annuity contract, please provide a copy of the trust pages that include the name of the trust, the date of the trust, the names of the trustee and successor trustee, and signature page.", "account_type": "Trust-owned annuity contracts", "page": "2", "source_url": "https://www.allianzlife.com/~/media/files/global/documents/2016/05/09/17/33/s2263.pdf", "form_number": "S2263", "revision_date": "2015-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign the certification; the certification also records whether trustees act together, independently or by majority", "quote": "If multiple Trustees, ALL Trustees must sign, even if Trustee can act independently.", "account_type": "Trust-owned annuity contracts", "page": "3", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN or SSN on the certification; S2263 asks SSN or EIN if the owner is a trust", "quote": "Trust Tax Identification number/Social Security number", "account_type": "Trust-owned annuity contracts", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify Allianz in writing; Allianz may rely on the certification until notified", "quote": "The Trustee agrees to notify Allianz Life Insurance Company of North America (Allianz) in writing of any amendments to the Trust, any changes in the composition of the trustees or any other event that may alter the certifications", "account_type": "Trust-owned annuity contracts", "page": "3", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-american-equity", "institution": "American Equity Investment Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "American Equity annuity owned by a trust (Ownership Change form)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may become owner", "quote": "Trusts: If a trust is the new owner, the trustee must sign for the new owner in his/her capacity as trustee", "account_type": "American Equity annuity owned by a trust (Ownership Change form)", "page": "7", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "American Equity's Certification of Trust Agreement, together with trust pages", "quote": "along with the Certification of Trust Agreement form", "account_type": "American Equity annuity owned by a trust (Ownership Change form)", "page": "7", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "full trust or excerpts plus certification", "quote": "must submit to American Equity either (1) a full copy of the trust or (2) the first page and all signature pages of the trust, along with the Certification of Trust Agreement form.", "account_type": "American Equity annuity owned by a trust (Ownership Change form)", "page": "7", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "first page and all signature pages", "quote": "the first page and all signature pages of the trust, along with the Certification of Trust Agreement form", "account_type": "American Equity annuity owned by a trust (Ownership Change form)", "page": "7", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee signs in trustee capacity; all co-trustees not stated", "quote": "the trustee must sign for the new owner in his/her capacity as trustee", "account_type": "American Equity annuity owned by a trust (Ownership Change form)", "page": "7", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-athene", "institution": "Athene Annuity and Life Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Athene annuity owned by a trust", "Legacy annuity and life contracts of Athene Annuity & Life Assurance Company owned by a trust (N1226, V1220)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust verification form listed among policy change forms next to the ownership change form; form text not saved", "quote": "Trust Verification Form ... Change of Ownership Form", "account_type": "Athene annuity owned by a trust", "page": "web page", "source_url": "https://www.athene.com/support/service-forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Athene's own Trust Verification (16541T, not saved) for a trust owner", "quote": "If the owner is a Trust, submit a Trust Verification Request (Form 16541T), if you have not already done so.", "account_type": "Athene annuity owned by a trust", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "the verification form is relied on; the instrument is not requested", "quote": "may rely solely on this Verification and the information provided for policy/contract administration purposes and the Company has no obligation to investigate the terms of the Trust", "account_type": "Legacy annuity and life contracts of Athene Annuity & Life Assurance Company owned by a trust (N1226, V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/N-1226-Trust-Verification-2-14.pdf", "form_number": "N1226", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "a trustee signs as owner with title; how many trustees must sign is on the (unsaved) 16541T", "quote": "Owner/Trustee Signature ... Owner Title (if Trust or Corporation)", "account_type": "Athene annuity owned by a trust", "page": "4", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust EIN, or the first settlor's SSN if none", "quote": "The Trust does not have a separate taxpayer identification number. Thus, the personal taxpayer identification number of the FIRST Settlor/Grantor listed below should be used", "account_type": "Legacy annuity and life contracts of Athene Annuity & Life Assurance Company owned by a trust (N1226, V1220)", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/N-1226-Trust-Verification-2-14.pdf", "form_number": "N1226", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "updated Trust Verification when the trust changes", "quote": "If you are designating a Trust as your beneficiary, signing as a Trustee, or if there have been changes to the Trust, please submit an updated Trust Verification (Form 16541T).", "account_type": "Athene annuity owned by a trust", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-equitable", "institution": "Equitable Financial Life Insurance Company (formerly AXA Equitable)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned contracts with Equitable's Certification of Trust", "quote": "I/We have the authority under the Trust (acting alone or with other Trustees as noted in Section 1) and applicable law to enter into transactions, issue instructions on this account for, and at the risk of the Trust", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Equitable's own form E15224 (01/24), trust name, date and amendment dates, TIN, grantors, trustees, trust beneficiaries", "quote": "The information and statements contained in this Certification of Trust are true and correct.", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "notarized trustee signatures; the trustees state whether all or only named trustees must sign", "quote": "Applicable Trustee(s) must sign and have the signature(s) notarized. ... All of the currently acting Trustees are required to sign in order to exercise the powers of the Trustees. ... If more than one individual Trustee, all should sign. If Corporate and Individual Co-Trustees, both should sign", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "trustee SSN, date of birth and government ID; each trustee must be a U.S. person", "quote": "Trustee(s) Social Security Number(s) ... Trustee(s) Date of Birth ... Government Issued ID, Type & Number", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN; for a grantor trust, the reporting TIN; W-9 required", "quote": "Trust Taxpayer Identification Number (TIN) ... If yes, please provide the names of the grantors for tax purposes and provide the TIN Equitable should use to report to the IRS. ... IRS Form W-9 is attached and must be completed.", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice of changes, e.g. a change of trustees", "quote": "I/We will inform us in writing of any changes to these certifications (such as a change of Trustees).", "account_type": "Trust-owned annuity contracts (Accumulator, Retirement Cornerstone, SCS, Investment Edge, EQUI-VEST; Certification of Trust E15224)", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=65119797", "form_number": "E15224", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-fg", "institution": "F&G Annuities & Life (Fidelity & Guaranty Life Insurance Company)", "segment": "insurer", "account_group": "annuity", "account_types": [ "F&G annuity contract owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may own the contract; a Non-Natural Owner Acknowledgement form is required on transfer to a trust", "quote": "If the new owner is a TRUST, a Non-Natural Owner Acknowledgement form must be completed an accompany this", "account_type": "F&G annuity contract owned by a trust", "page": "2", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin0000s/ADMIN0177%20Transfer%20of%20ownership%20-%20Change%20of%20Beneficiary.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign with title \"trustee\" (beneficiary change and disbursement forms)", "quote": "Trust - All trustee(s) must sign with title \"trustee\" according to the terms of the Trust Agreement.", "account_type": "F&G annuity contract owned by a trust", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "annuity", "account_types": [ "Annuity contract owned by a trust (ownership change to trust)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "nonqualified contracts only; FPRA/FDRA, grantor sole annuitant and owning trust sole beneficiary; a living person must be sole annuitant", "quote": "Use this form to change the ownership of an annuity contract to a TRUST. ... change the owner of a qualified annuity ... Trust-owned contracts must have the grantor as the sole", "account_type": "Annuity contract owned by a trust (ownership change to trust)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/annuities-ownership-change-to-trust.pdf", "form_number": "1.954131.108", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trustee certifications on Fidelity's own form", "quote": "Accept that this form supersedes any ... previously provided certifications. ... Certify that all trustees of this trust are ... named in this form.", "account_type": "Annuity contract owned by a trust (ownership change to trust)", "page": "5", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/annuities-ownership-change-to-trust.pdf", "form_number": "1.954131.108", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign; notarized for trusts governed by CA, DE, ID, IA, KS, MI, MN, MS, NE, NV, SD, TN, VT; current owner needs Medallion guarantee; each trustee may act independently", "quote": "All current contract owners and authorized trustees must sign and date. ... All trustee signatures MUST be notarized if your trust is governed by the laws of California, Delaware,", "account_type": "Annuity contract owned by a trust (ownership change to trust)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/annuities-ownership-change-to-trust.pdf", "form_number": "1.954131.108", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, SSN/TIN, date of birth, address for each trustee", "quote": "First Name M.I. Last Name Social Security or Taxpayer ID Number ... Date of Birth MM DD YYYY", "account_type": "Annuity contract owned by a trust (ownership change to trust)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/annuities-ownership-change-to-trust.pdf", "form_number": "1.954131.108", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN required; grantor and date of trust also asked", "quote": "Trust Name U.S. Taxpayer ID Number", "account_type": "Annuity contract owned by a trust (ownership change to trust)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/annuities-ownership-change-to-trust.pdf", "form_number": "1.954131.108", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-global-atlantic", "institution": "Global Atlantic Financial Group (Forethought Life)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Forethought Life annuity owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust owners accepted; trust must be the beneficiary; annuitant cannot be changed on a non-natural owner's contract", "quote": "Owner's Name (first, middle, last or trust/entity) ... For contracts with a Trust as the Owner, the Trust must be listed as the Beneficiary.", "account_type": "Forethought Life annuity owned by a trust", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "insurer's own Trustee Certification and Indemnity form (not saved)", "quote": "If the owner is listed as a Trust, you must submit Trustee Certification and Indemnity form if not already on file with the Company.", "account_type": "Forethought Life annuity owned by a trust", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "a trustee signs as owner; co-trustee line", "quote": "If the contract is owned by a trust, a trustee must sign as an owner. ... Joint Owner/POA/Co-Trustee Signature (if applicable)", "account_type": "Forethought Life annuity owned by a trust", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-jackson", "institution": "Jackson National Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Jackson nonqualified annuity owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "irrevocable and living trusts listed; guide warns revocable trust ownership can lose spousal continuation and nonqualified stretch", "quote": "Most trusts are eligible to own nonqualified annuity contracts. ... Owner: Irrevocable trust", "account_type": "Jackson nonqualified annuity owned by a trust", "page": "2", "source_url": "https://www.jackson.com/content/dam/jacksoncom/pdf/client-conversation-resources/cuv21196v0621-benefits-of-trust-owned-annuities.pdf", "form_number": "CUV21196", "revision_date": "2021-06", "wayback_capture": "2021-09-20", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "death claim triggered by the annuitant's death (annuitant is the beneficial owner if applicable); trust beneficiary limited to lump sum or out in five", "quote": "When a trust owns an annuity, the death of the annuitant triggers the death claim.", "account_type": "Jackson nonqualified annuity owned by a trust", "page": "9", "source_url": "https://www.jackson.com/pdf/xadv7984.pdf", "form_number": "XADV7984", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-john-hancock", "institution": "John Hancock Life Insurance Company (U.S.A.)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned John Hancock annuity" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, trust may own the contract", "quote": "If the owner is changed to a trust or other entity, the new owner must also complete our Certificate for trust or entity ownership form (130797)", "account_type": "Trust-owned John Hancock annuity", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "John Hancock Certificate for trust or entity ownership form 130797 required", "quote": "If the owner is changed to a trust or other entity, the new owner must also complete our Certificate for trust or entity ownership form (130797) and submit it with this form.", "account_type": "Trust-owned John Hancock annuity", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign, checking the \"Trustee\" title box", "quote": "All trustees must sign if the contract is owned by a trust.", "account_type": "Trust-owned John Hancock annuity", "page": "2", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN, trust date and tax classification (trust) for the new owner", "quote": "Tax classification for contract owners that are not individuals ... Provide complete name and date of trust (if applicable)", "account_type": "Trust-owned John Hancock annuity", "page": "3", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-lincoln", "institution": "Lincoln Financial (Lincoln National Life)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Lincoln annuity owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "signature line for a trustee as contract owner on the beneficiary change form; no trust ownership documentation rules saved", "quote": "Contract Owner/Trustee's Signature", "account_type": "Lincoln annuity owned by a trust", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "trust-owned contract, the annuitant's death is the owner's death and the death benefit goes to the beneficiary; no contingent annuitant (Lincoln Level Advantage Advisory prospectus, product-specific)", "quote": "If the Contractowner is a corporation or other non-individual (non-natural person), the death of the Annuitant will be treated as death of the Contractowner. ... The Contractowner is a trust or ... No contingent Annuitant allowed", "account_type": "Lincoln annuity owned by a trust", "page": "41", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/LLAVA-P-LAADV-FINAL.pdf", "form_number": "", "revision_date": "2022-05", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-massmutual", "institution": "Massachusetts Mutual Life Insurance Company (MassMutual)", "segment": "insurer", "account_group": "annuity", "account_types": [ "MassMutual Ascend annuity owned by a trust", "MassMutual annuity owned by a trust (Annuity Contract Change Request)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may own non-qualified annuities (sole owner); qualified contracts only as inherited IRA or employer plan trust", "quote": "when submitting new business where a trust is named as the owner of the annuity, or when requesting a change of ownership into or out of a trust ... We will not issue an IRA or other qualified contract to a trust unless the contract is an inherited IRA, or the trust is part of an employer retirement plan.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "insurer's own Trust Certification and Agreement (X6017907NW); Inherited Contract Addendum (X6057518NW) for inherited contracts", "quote": "Trust Certification (X6017907NW Rev. 1/16/2025 or later): To be completed for all trusts.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "trust document is not to be sent; if sent it goes to the Legal Department and delays processing", "quote": "Do not send us the trust document. If we receive the trust document, we are not allowed to rely on a Trust Certification that is inconsistent with the terms of the trust.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "excerpts naming trustees and conferring powers, on request only", "quote": "On request, each trustee agrees to furnish a copy of excerpts from the trust document that designate the trustee(s), confer the power to act with respect to an annuity contract or life insurance policy, and confirm information in this certification.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "5", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "generally all trustees sign the certification; other paperwork per the co-trustee authority checked (single, independent, majority, joint)", "quote": "Generally, all trustees should sign the Trust Certificate form(s). Some trusts require all trustees to sign all paperwork ... A trustee should write \"Trustee\" or \"TTEE\" after his or her signature.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "ID type, number, state and expiration for each trustee; photocopy may be required", "quote": "We generally require that all co-Trustees sign this form and provide verification of identification (as required by Section 326 of USA Patriot Act).", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "6", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust EIN unless revocable or grantor-type trust (living grantor's SSN allowed); never a deceased person's SSN", "quote": "IRS Tax ID# for trust unless trust is revocable or a grantor-type trust ... A trust (or subtrust) may use the SSN of a living grantor or trust owner only if the grantor can revoke the trust or if the trust is an irrevocable grantor-type trust. A trust can never use a deceased person's SSN.", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "5", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "certification records each grantor's date of death and any subtrust division (subtrust name then used on forms); trust needs its own TIN; distribution to trust beneficiaries on form X6057118NW", "quote": "A grantor is deceased, but there is still a living grantor: the trust has divided into ... A trust can never use a deceased person's SSN. ... If current owner is a trust and new owner is a trust beneficiary, complete Trust Certification Change of Ownership to Trust Beneficiaries (Form X6057118NW).", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "4", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "a new trust certification is required when trustees change", "quote": "Each trustee agrees to update this certificate at any time that there is a change that makes any statement in this certificate incorrect. ... may rely on this trust certification until the MassMutual Ascend receives a new certification, on its form or in a manner satisfactory to it, advising it of any changes related to the trust or the trustee(s).", "account_type": "MassMutual Ascend annuity owned by a trust", "page": "5", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-metlife", "institution": "MetLife (Metropolitan Life Insurance Company)", "segment": "insurer", "account_group": "annuity", "account_types": [ "MetLife individual annuity owned by a trust (Beneficiary Change form)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "the form contemplates trust-owned contracts, owner section asks the trust's execution date; trustee signs with title", "quote": "Date of Execution of Trust (If applicable) ... Signature of Owner and Title (If applicable, i.e. Trustee)", "account_type": "MetLife individual annuity owned by a trust (Beneficiary Change form)", "page": "1", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-new-york-life", "institution": "New York Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "non-qualified annuities only; registration \"[trustee], trustee under [title and date of trust]\"; transfer to a trust \"may result in a loss of tax deferred status\"; a testamentary trustee generally should not be named successor owner", "quote": "A Trust: Insert the name of the trustee followed by the words \"trustee under\" and the proper title and date of the trust. ... You may transfer ownership only if the policy is issued as a Non-Qualified Plan Policy.", "account_type": "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/18518.pdf", "form_number": "18518", "revision_date": "2018-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "the owner checks New York Life's own trust statement (trustee authority to pay premiums, no limits on ownership rights) and an assisting agent may certify review of the trust; the excerpt pages are still required", "quote": "Statement Regarding Trust as Owner ... the Trust Agreement created by the Grantor as shown above (and the trust date shown above) agrees with the following ... I attest that I have reviewed the identifying trust/business document(s)", "account_type": "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "excerpts at transfer; the full trust on request", "quote": "New York Life or its subsidiaries reserves the right to request the entire trust document.", "account_type": "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title, signature and notary pages plus trustee and successor trustee pages", "quote": "A copy of the Title, Signature, and Notary pages of the trust agreement, including the pages showing the trustee and successor trustee information is required.", "account_type": "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all required trustees sign with \"trustee\" after the signature (same when a trust is the current owner); the grantor also signs", "quote": "Where the New Owner is a trust, provide the signatures of all required trustees. ... The designation trustee must follow the trustee's signature.", "account_type": "Trust-owned annuities (form 21132 12/2023; older annuity Transfer of Ownership form 18518 02/2018, non-qualified contracts only)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-pacific-life", "institution": "Pacific Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned annuity contracts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "non-qualified contracts may be owned by a trust; beneficiary is then changed to the trust as well", "quote": "If changing the owner of the nonqualified contract to a trust, attach a completed Trustee Certification and Disclosure form. ... If the owner is updated to a trust, the beneficiary will also be updated to the trust.", "account_type": "Trust-owned annuity contracts", "page": "1", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Pacific Life's own Trustee Certification and Disclosure form (not saved)", "quote": "attach a completed Trustee Certification and Disclosure form", "account_type": "Trust-owned annuity contracts", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-principal", "institution": "Principal Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Principal annuity owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may be the owner on the annuity application (trust date asked)", "quote": "Owner is a/an: Individual Trust Custodian/POA UTMA/UGMA ... Full name (first, middle, last) Trust date (if applicable)", "account_type": "Principal annuity owned by a trust", "page": "web page", "source_url": "https://www.sec.gov/Archives/edgar/data/9712/000110465924057237/tm2330807d8_ex4-v.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "trust-owned contract, the annuitant's death is the owner's death (death benefit to the beneficiaries); no replacement annuitant; Principal Freedom prospectus (2016), product-specific", "quote": "If an annuitant who is not an owner dies while the Contract is in force, a new annuitant may be named unless the owner is a corporation, trust or other entity. ... If the owner of the contract is not a natural person, the annuitant's death is treated as the death of the owner.", "account_type": "Principal annuity owned by a trust", "page": "52", "source_url": "https://www.principal.com/retirement/ind/rf668a.pdf", "form_number": "UHHGRP60", "revision_date": "2016-04", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-protective", "institution": "Protective Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Protective annuity owned by a trust (VA application checklist)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust ownership type on the application; subject to approval", "quote": "For Trust Owners, a copy of the Trustee Certification or Trust Document is required", "account_type": "Protective annuity owned by a trust (VA application checklist)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "certification_accepted": { "value": "yes", "detail": "trustee certification accepted", "quote": "For Trust Owners, a copy of the Trustee Certification or Trust Document is required", "account_type": "Protective annuity owned by a trust (VA application checklist)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "full_instrument_required": { "value": "no", "detail": "certification or trust document", "quote": "For Trust Owners, a copy of the Trustee Certification or Trust Document is required", "account_type": "Protective annuity owned by a trust (VA application checklist)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-prudential", "institution": "Prudential Financial (Pruco Life, Prudential Annuities, The Prudential Insurance Company of America)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned annuities (Owner Authorization Form ORD 310049 Ed. 8/22; annuity forms page; BCO form for trust beneficial owners)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned annuities are serviced; a trust may also hold a BCO as beneficial owner", "quote": "If the owner is a trust, all trustee(s) must sign with \"Trustee\" designation after the trustees' name. ... Update or confirm the acting trustee(s) of a trust-owned account.", "account_type": "Trust-owned annuities (Owner Authorization Form ORD 310049 Ed. 8/22; annuity forms page; BCO form for trust beneficial owners)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/ORD_310049.pdf", "form_number": "00AM-6", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign as \"Trustee, under the Trust Agreement dated ...\"; one trustee certifies that all have signed; for a trust-owned BCO the Key Life also signs", "quote": "If the owner is a trust, all trustee(s) must sign with \"Trustee\" designation after the trustees' name. For example: John Doe, Trustee, under the Trust Agreement dated mm/dd/yy. In addition, in the case where the trust has more than one trustee, we require a certification from one trustee that all trustees have signed.", "account_type": "Trust-owned annuities (Owner Authorization Form ORD 310049 Ed. 8/22; annuity forms page; BCO form for trust beneficial owners)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/ORD_310049.pdf", "form_number": "00AM-6", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "BCO form, a grantor trust gives the grantor's SSN/TIN (the grantor is the Key Life) besides the owner's TIN", "quote": "Entity/Trust Ownership Only (Non-natural person), check one of the two boxes below. ... This is a Grantor Trust for federal income tax purposes that meets IRC Sections 671-679 ... Grantor's Social Security/Tax I.D. Number", "account_type": "Trust-owned annuities (Owner Authorization Form ORD 310049 Ed. 8/22; annuity forms page; BCO form for trust beneficial owners)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/2-10-2023/ORD_04409_1122_ADA_NF.pdf", "form_number": "ORD 04409", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "a separate \"Authorize a trust\" form (not saved) updates or confirms the acting trustees", "quote": "Authorize a trust ... Update or confirm the acting trustee(s) of a trust-owned account.", "account_type": "Trust-owned annuities (Owner Authorization Form ORD 310049 Ed. 8/22; annuity forms page; BCO form for trust beneficial owners)", "page": "web page", "source_url": "https://www.prudential.com/links/forms/annuities", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-sammons", "institution": "Sammons Financial Group (Midland National, North American)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Midland National annuity owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "new or transferred contracts; only trusts acting as agent for natural persons (2-23 version listed accepted trust types); no testamentary trust owners; charitable remainder trusts use 26742Y (non-qualified, trust sole owner and sole irrevocable beneficiary)", "quote": "Upon change of Ownership of an existing Annuity Contract to a Trust ... Midland National only accepts Trusts acting as an agent for natural person(s) and for the sole benefit of those person(s) under IRC Section 72 of the Internal Revenue Code. ... Please be advised that a Testamentary Trust cannot be an Owner.", "account_type": "Midland National annuity owned by a trust", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Midland's own Certification of Trust agreement (19306Y); 19513R also offers a Partnership/Trust Agreement box", "quote": "A copy of the Certification of Trust Agreement must be submitted if the new owner designation is a trust.", "account_type": "Midland National annuity owned by a trust", "page": "2", "source_url": "https://www.midlandnational.com/documents/d/mnportal/19513r", "form_number": "19513R", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "on request, stated on the charitable trust form (26742Y); the regular certification (19306Y) says Midland has no responsibility for reviewing the trust and does not ask for it", "quote": "Be advised that Midland National reserves the right to request and receive a copy of the Trust documents if it determines that it is necessary to do so.", "account_type": "Midland National annuity owned by a trust", "page": "3", "source_url": "https://www.midlandnational.com/documents/35453/72102/26742Y+-+Certification+of+Charitable+Trust.pdf/9f5ec22e-3f1d-56f2-27cf-057b6fa801d7?t=1701879055382", "form_number": "26742Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustees choose all, a majority or any trustee; corporate trustee resolution", "quote": "The Trustee(s) certify that all documents pertaining to this Contract be signed by: (check one) ... For Corporate Trustees, you must submit a corporate resolution verifying individuals authorized to sign on behalf of the entity.", "account_type": "Midland National annuity owned by a trust", "page": "2", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "government photo ID; name, address, date of birth and SSN of persons signing for an entity; trustee DOB and SSN on the certification", "quote": "We require our representative to review and verify a current government issued photo ID for each owner listed on the insurance or annuity application or ownership change request. ... or who will be signing on behalf of a legal entity", "account_type": "Midland National annuity owned by a trust", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/24443Y+-+Spousal+Verification+of+Identity.pdf/20cd6f2b-0f75-4aa3-b9aa-894c1ab65dff?t=1666031349763", "form_number": "24443Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN asked, with grantor trust status (19513R, TIN/EIN of the non-natural entity)", "quote": "Tax Identification number Trust governed by the state of ... Is the Trust a Grantor Trust?", "account_type": "Midland National annuity owned by a trust", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustees are named in advance on the certification (section 5)", "quote": "Midland National may rely upon the directions of the Trustees and any named Successor Trustee(s) identified in this form", "account_type": "Midland National annuity owned by a trust", "page": "3", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "proof the trust is in force may be required (charitable trust form 26742Y)", "quote": "Before Midland National pays proceeds at the death of the Annuitant/Owner of the Annuity Contract(s) it may also require proof that the Trust is then in full force and effect.", "account_type": "Midland National annuity owned by a trust", "page": "3", "source_url": "https://www.midlandnational.com/documents/35453/72102/26742Y+-+Certification+of+Charitable+Trust.pdf/9f5ec22e-3f1d-56f2-27cf-057b6fa801d7?t=1701879055382", "form_number": "26742Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new Certification of Trust agreement on a change of trustee", "quote": "Upon change of Trustee(s) of an existing Annuity Contract owned by a Trust ... until Midland National receives at its Executive Office written notification of a change of Trustee in a form acceptable to Midland National", "account_type": "Midland National annuity owned by a trust", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-securian", "institution": "Securian Financial (Minnesota Life)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Securian individual annuity owned by a trust (sales piece F105673)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned annuities offered (financial professional sales piece; no ownership form saved)", "quote": "How do trust-owned annuities work? ... The trust owns the annuity and names an annuitant", "account_type": "Securian individual annuity owned by a trust (sales piece F105673)", "page": "1", "source_url": "https://www.securian.com/content/dam/doc/ia/estate-planning-opportunities-with-trusts-and-annuities_105673.pdf", "form_number": "F105673", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "annuity", "account_types": [ "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may own a contract; the owning trust must be the sole primary beneficiary", "quote": "If a contract is owned by a trust, naming a beneficiary other than the trust may cause legal and/or tax issues. ... naming a beneficiary other than the trust owner as a sole primary beneficiary cannot be accepted.", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Thrivent Certification of Trust form 24143A", "quote": "No representative of Thrivent and its subsidiaries has authority to analyze trust documents or give advice when completing", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees in CA, ID, IA, MO, NE, NV, NJ, OR, else one; notary stamp when a trustee lives in ID, MI, MN, NE, NV, TN or VT", "quote": "When any currently acting trustee is a resident of California, Idaho, Iowa, Missouri, Nebraska, Nevada, New Jersey, or Oregon, all currently acting trustees must sign the Certification of Trust. In all other states, only one trustee's signature is required. ... Affix notary stamp here (required when", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, SSN, address and date of birth of each acting trustee", "quote": "Identification of Currently Acting Trustee(s) - Complete for all currently acting trustee(s).", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "irrevocable trust EIN; revocable trust grantor SSN", "quote": "Irrevocable - Trust Employer Identification Number (EIN) ... Social Security number of grantor ... no account/contract will be accepted without a valid TIN", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "no proof of succession; Tennessee trustees list successor trustees", "quote": "I authorize Thrivent to rely upon the authority of one or more successors to act without proof of their succession", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "notify Thrivent; if the owning revocable trust has ended and no beneficiary exists, proceeds go to the grantors", "quote": "Provide notification upon the death of any trust grantor(s) for revocable trusts in order for cost basis to be adjusted. ... If a revocable trust is the owner, and the trust is not in effect at the death of the Insured, and there is no living or existing beneficiary, the proceeds shall be paid to the designated grantor(s) equally", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustee must notify Thrivent of changes (written revocation or amendment)", "quote": "I will promptly inform Thrivent of any changes in the representations contained in this certification", "account_type": "Trust-owned Thrivent annuity contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-transamerica", "institution": "Transamerica Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Trust-owned Transamerica variable annuity" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, \"Trust\" owner type", "quote": "Individual Trust1 ... Trustee Certification Form is Required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "3", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Transamerica Trustee Certification Form", "quote": "Trustee Certification Form is Required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "3", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee signs as owner, marking \"Trustee\" capacity; additional information required", "quote": "If the individuals signing below are signing as a Power of Attorney, Guardian, Conservator, Authorized Representative, or Trustee, additional information is required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "9", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "transamerica-401k", "institution": "Transamerica Retirement Solutions", "segment": "recordkeeper", "account_group": "annuity", "account_types": [ "Trust-owned Transamerica variable annuity" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, \"Trust\" owner type", "quote": "Individual Trust1 ... Trustee Certification Form is Required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "3", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Transamerica Trustee Certification Form", "quote": "Trustee Certification Form is Required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "3", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee signs as owner, marking \"Trustee\" capacity; additional information required", "quote": "If the individuals signing below are signing as a Power of Attorney, Guardian, Conservator, Authorized Representative, or Trustee, additional information is required.", "account_type": "Trust-owned Transamerica variable annuity", "page": "9", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-achieva", "institution": "Achieva Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "discretionary, case by case; the CU does not administer trust accounts and does not check a trustee's appointment or authority", "quote": "We may, at our complete discretion, permit accounts to be owned by trusts on a case-by-case basis.", "account_type": "Deposit account owned by a trust", "page": "12", "source_url": "https://www.achievacu.com/PDFs/Important_Info_Consumer_Acct.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-addition-financial", "institution": "Addition Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees under a written trust agreement may open and maintain accounts; the credit union does not act as trustee or monitor the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust", "page": "18", "source_url": "https://www.additionfi.com/docs/default-source/disclosures/important-account-information-for-our-members-rev-02-2024.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-alliant", "institution": "Alliant Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust savings and trust checking (Trust Account Application A530)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "new trust savings or checking account in the name of the trust and trustees; existing accounts are not retitled (\"This does not change the name of an existing account\"); trustees must be eligible for membership", "quote": "Trust Savings ... in the name of the Trust and Trustee(s). ... A new account will be opened in the name of your Trust.", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trust agreement pages or a certification of trust", "quote": "return it to Alliant along with copies ... of the pages of your Trust Agreement or Certification of Trust that", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "copies of the pages showing the listed items only", "quote": "of the pages of your Trust Agreement or Certification of Trust that", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages showing type, name and date of trust, trustees, successor trustees, whether trustees may act independently, beneficiaries, signature and notary seal; death certificate for a deceased trustee", "quote": "Type of Trust ... Names of the Successor Trustees ... Name of the Trust ... If Trustees may act independently ... Date the Trust was established ... Names of the Trustees ... Names of the Beneficiary(ies) ... Signature and notary seal", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "each trustee signs; unless \"act independently\" is checked, all trustees must act together", "quote": "Trustee #1 Signature (required) ... Trustee #2 Signature (required, if applicable) ... it will be assumed that all Trustees must act together on all Trust transactions", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "2", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "photo ID and proof of address for each owner 18+ who is not already a member; ID number fields for each trustee", "quote": "include a photocopy of valid U.S. government- or state-issued photo ID or a Passport", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "2", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust information section asks for an SSN/ITIN; a successor trustee must obtain a Tax ID Number when all trustees are deceased", "quote": "Social Security Number/ITIN ... Date of Trust ... Successor Trustee must obtain a Tax ID Number", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate(s) and a Tax ID Number", "quote": "If all the Trustees of a Trust are deceased, then the Successor Trustee must obtain a Tax ID Number and provide a copy of the death certificate(s).", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "death certificate for a deceased trustee; nothing on resignation or addition", "quote": "Please supply a death certificate if one of the Trustees is deceased.", "account_type": "Trust savings and trust checking (Trust Account Application A530)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/LivingTrustApplication.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-ally-bank", "institution": "Ally Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Ally Bank deposit account titled in the name of a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "online or paper Account Application for Trusts", "quote": "How do I open an Ally Bank account in the name of a Trust? Apply for an Ally Bank account. You can apply online .", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/help/bank/accounts-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification, abstract or affidavit accepted", "quote": "A Certification of Trust (sometimes referred to as a Trust Abstract or Affidavit of Trust, depending on the state), or a written Trust agreement with a Social Security number or Tax ID number", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/help/bank/accounts-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "pages if no certification", "quote": "If a Certification of Trust (sometimes referred to as a Trust Abstract or Affidavit of Trust, depending on the state), isn't available, be sure to include the following pages of your Trust agreement", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/help/bank/accounts-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "if no certification, description pages, notarized signature pages, amendments, trustee powers and succession provisions, list of beneficiaries, death certificates; testamentary trusts, will cover, trust portions, signature and notary pages", "quote": "Description of Trust, including the formal name of the Trust, Grantors and Trustees ... Notarized signature pages with Grantor and Trustee signatures ... Trustee powers and provisions related to incapacity or death of a Trustee ... List of beneficiaries who will receive the funds if the Grantor of the Trust passes away", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/trust-conversion.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "conversion, all current owners sign; each trustee not already an Ally customer signs the account agreement; any listed trustee may then act alone", "quote": "In order for a personal account to be eligible for conversion to the name of a Trust, ALL current account owners must sign below. ... Sign if a Trustee is not a current Ally Bank customer.", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/trust-conversion.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, address, DOB and SSN/ITIN for each trustee; W-9 or W-8BEN for each trustee not yet a customer", "quote": "We'll ask for your name, a street address, date of birth, and an identification number, such as a Social Security number or Individual Taxpayer Identification Number (ITIN).", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "12", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN field; conversion of a revocable trust keeps the owner's SSN; irrevocable trusts use their own TIN", "quote": "TAX IDENTIFICATION NUMBER FOR TRUST ... You can convert a non-IRA account into the name of a Trust for a Revocable Trust if the Social Security number from the non-IRA account is used.", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/help/bank/accounts-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "Trust/Trustee Maintenance Form plus documents identifying the successor trustee", "quote": "If a trustee dies or is replaced, we reserve the right to require documentation reasonably acceptable to us identifying the successor trustee. ... Complete the Trust/Trustee Maintenance Form (PDF) and provide the required documents.", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "name and date of death of a deceased grantor plus death certificate", "quote": "If any Grantor is deceased, provide their name and date of death ... A copy of a death certificate for any Grantors or Trustees who is/are deceased", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/trust-application.pdf", "form_number": "", "revision_date": "2025-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "Trust/Trustee Maintenance Form", "quote": "These changes may include the death or resignation of a trustee, addition of a trustee or a change in the formal name of the Trust itself. Complete the Trust/Trustee Maintenance Form (PDF) and provide the required documents.", "account_type": "Ally Bank deposit account titled in the name of a trust", "page": "web page", "source_url": "https://www.ally.com/help/bank/accounts-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-amerant-bank", "institution": "Amerant Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (fiduciary account)" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts include a trustee under a trust agreement", "quote": "Fiduciary Account. Upon request of the Bank, any person acting in a fiduciary capacity will supply to the Bank an affidavit, certification or other documentation ... trustee under trust agreement or under will.", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "on request, an affidavit, certification or other documents, including excerpts of the trust", "quote": "will supply to the Bank an affidavit, certification or other documentation, including, without limit, copies of excerpts of any agreement, instrument or order pertaining to the account or fiduciary relationship", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "a change of signers takes effect 5 business days after the bank receives the documents", "quote": "Any change in authorized signers will not be effective until five (5) business days after our receipt of the documents effecting the change, provided that we may, at our option, recognize such changes earlier.", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-american-express-national-bank", "institution": "American Express National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "American Express savings account re-titled to a revocable living trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "re-title only; revocable living trusts only", "quote": "Your Savings account (\"Account\") can only be re-titled (not opened) as a revocable living trust (Trust) Account.", "account_type": "American Express savings account re-titled to a revocable living trust", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/trust-re-title-conditions/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "online by the primary owner; each owner must be a trustee able to act alone", "quote": "Accounts may only be re-titled online (not by mail or telephone), by the primary (first named) Account owner. ... Each Account owner named in the Bank's records must be a trustee who is authorized to act individually for the Trust", "account_type": "American Express savings account re-titled to a revocable living trust", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/trust-re-title-conditions/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "must use the primary owner's SSN (no trust EIN)", "quote": "The Trust must (1) use the Social Security Number of the primary Account owner named in the Bank's records for the Account and (2) be in full force and effect.", "account_type": "American Express savings account re-titled to a revocable living trust", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/trust-re-title-conditions/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "prompt written notice of an owner's death; bank may close", "quote": "the requirement that the Bank receive prompt written notice if any Account owner dies or becomes legally incompetent.", "account_type": "American Express savings account re-titled to a revocable living trust", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/trust-re-title-conditions/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-ameriprise-bank", "institution": "Ameriprise Bank, FSB", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Ameriprise Bank account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "no", "detail": "no trust-owned accounts", "quote": "Accounts may not be opened in the name of a trust or other legal entity or by a fiduciary", "account_type": "Ameriprise Bank account owned by a trust", "page": "8", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-associated-bank", "institution": "Associated Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Associated fiduciary account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts under a written agreement", "quote": "Any funds credited to this type of Account are controlled according to a formal written agreement or as established by a court.", "account_type": "Associated fiduciary account", "page": "web page", "source_url": "https://www.associatedbank.com/forms-and-disclosures/disclosures/deposit-account-agreement", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "bank may review and copy the trust agreement", "quote": "The terms of any Agency Agreement, Trust Agreement, Court Order or other document by which the Account is opened will govern the Account, and the Bank has the right to review such document and maintain a copy in its files.", "account_type": "Associated fiduciary account", "page": "web page", "source_url": "https://www.associatedbank.com/forms-and-disclosures/disclosures/deposit-account-agreement", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-atlantic-union-bank", "institution": "Atlantic Union Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Atlantic Union formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts", "quote": "When one (1) or more persons open an account as trustee under a written trust agreement or court order, we will treat the account as a formal trust account.", "account_type": "Atlantic Union formal trust account", "page": "6", "source_url": "https://www.atlanticunionbank.com/getmedia/e0dcffd3-1ccf-4841-a00b-0a650c9a343e/consumer-deposit-account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement", "revision_date": "2025-08-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trust agreement or other documentation certifying the trust's existence, on request", "quote": "We may request a copy of the written trust agreement, court order or other documentation certifying the existence of the trust.", "account_type": "Atlantic Union formal trust account", "page": "6", "source_url": "https://www.atlanticunionbank.com/getmedia/e0dcffd3-1ccf-4841-a00b-0a650c9a343e/consumer-deposit-account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement", "revision_date": "2025-08-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Axos Bank trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "online application with trust name, Tax ID and documents", "quote": "For a seamless application process, make sure to have your trust name, Tax ID, and official documents ready.", "account_type": "Axos Bank trust account", "page": "web page", "source_url": "https://www.axosbank.com/personal/bank/premier/trust", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Axos Bank's own Trust Certification form (Cal. Probate Code 18100.5), listing settlors, trustees, successor trustees, revocability and title", "quote": "TRUST CERTIFICATION Deposit Account ... The undersigned execute(s) this Certification intending that Axos Bank rely on this Certification", "account_type": "Axos Bank trust account", "page": "1", "source_url": "https://www.axosbank.com/-/media/Axos/Documents/Forms/personal-support-forms/DEP--215-Change-Request--Trust-Certification.pdf", "form_number": "", "revision_date": "2019-09", "wayback_capture": "2019-10-17", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all co-trustees sign the certification before a notary; the minimum number of signing co-trustees is stated on the form", "quote": "Where there are co-trustees, we are all the co-trustees of the Trust. ... ALL SIGNATURES MUST BE NOTARIZED", "account_type": "Axos Bank trust account", "page": "4", "source_url": "https://www.axosbank.com/-/media/Axos/Documents/Forms/personal-support-forms/DEP--215-Change-Request--Trust-Certification.pdf", "form_number": "", "revision_date": "2019-09", "wayback_capture": "2019-10-17", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN on the certification; SS-4 if different from the primary TIN", "quote": "make sure to have your trust name, Tax ID, and official documents ready ... The tax identification number of the Trust is", "account_type": "Axos Bank trust account", "page": "web page", "source_url": "https://www.axosbank.com/personal/bank/premier/trust", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bank-of-america", "institution": "Bank of America, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Bank of America deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee-held deposit accounts recognized", "quote": "If you have opened a deposit account on behalf of the beneficial owner(s) of the funds in the account (for example as a trustee", "account_type": "Bank of America deposit account owned by a trust", "page": "5", "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/", "form_number": "Deposit Agreement and Disclosures", "revision_date": "2026-05-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustee identified from the trust agreement; death certificate and formal trust may be requested", "quote": "An account may be in the name of a formal trust. Trustee(s) are named on the account to control the assets of the trust. Successor Trustees are listed in the trust agreement so they can carry on the role of the trustee(s)", "account_type": "Bank of America deposit account owned by a trust", "page": "6", "source_url": "https://images.em.bankofamerica.com/estateservices/Estate_Services_Resource_Guide.pdf", "form_number": "MAP8726023", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "formal trust may be required at death", "quote": "We may require additional documents such as a last will and testament, formal trust, birth or marriage certificate, or proof of legal name change", "account_type": "Bank of America deposit account owned by a trust", "page": "web page", "source_url": "https://www.bankofamerica.com/signature-services/estate-services/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "may require closing and reopening", "quote": "We may require you to close the account in order to remove a co-owner, terminate a joint ownership or change a payable on death or trust designation.", "account_type": "Bank of America deposit account owned by a trust", "page": "4", "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/", "form_number": "Deposit Agreement and Disclosures", "revision_date": "2026-05-15", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bank-ozk", "institution": "Bank OZK", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Bank OZK deposit account opened by a trustee under a written trust agreement (Arkansas terms)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts offered; the bank does not monitor or enforce the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.", "account_type": "Bank OZK deposit account opened by a trustee under a written trust agreement (Arkansas terms)", "page": "web page", "source_url": "https://www.ozk.com/disclosures/certificates-of-deposit/ar-terms-and-conditions-of-your-account.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bankunited", "institution": "BankUnited, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "BankUnited fiduciary account (trustee under a trust agreement or will)" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "Examples include, but are not limited to: Personal Representative, Executor, Guardian for a Minor or Other Legal Incompetent Person, Attorney-In-Fact, Representative Payee, and Trustee under a Trust Agreement or Will.", "account_type": "BankUnited fiduciary account (trustee under a trust agreement or will)", "page": "4", "source_url": "https://www.bankunited.com/docs/default-source/deposit-account-agreement/deposit-account-agreement.pdf?sfvrsn=bead569c_9", "form_number": "Deposit Account Agreement", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "affidavit or certification on request", "quote": "Upon the Bank's request, the Fiduciary will supply the Bank with an affidavit, certification or other documentation pertaining to the account and the fiduciary relationship.", "account_type": "BankUnited fiduciary account (trustee under a trust agreement or will)", "page": "4", "source_url": "https://www.bankunited.com/docs/default-source/deposit-account-agreement/deposit-account-agreement.pdf?sfvrsn=bead569c_9", "form_number": "Deposit Account Agreement", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-banner-bank", "institution": "Banner Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "stated in the Business Deposit Account Agreement; the consumer agreement has no trust-account clause; a separate agreement may govern", "quote": "When your account is set up as an escrow account, trust account, fiduciary account, or custodial account, it is your sole responsibility to determine the legal effects of opening and maintaining an account of this nature.", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/business-disclosure_ada.pdf?rev=558cdff7d58b436a8dbd33e2271c2b32&sc_lang=en&hash=A3B7E4FE22ADA0C36F8AF80165C53DCE", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flbank-bayfirst-national-bank", "institution": "BayFirst National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": {} }, { "inst_id": "bank-bny-mellon", "institution": "BNY Mellon, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "BNY Mellon, N.A. Insured Deposit Sweep Account in a custody account registered to a trust (through a financial intermediary)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "sweep deposits of trust-registered custody accounts; FDIC coverage depends on the registration", "quote": "to each Account for which you are a client of record of BNY, whether as an individual, joint tenant, trustee, executor ... Product balances held in Accounts with trust registrations are processed at the account level and not at the trustee level.", "account_type": "BNY Mellon, N.A. Insured Deposit Sweep Account in a custody account registered to a trust (through a financial intermediary)", "page": "2", "source_url": "https://www.bny.com/assets/pershing/documents/pdfs/bny-product-disclosure-statement-and-terms-and-conditions.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-becu", "institution": "Boeing Employees' Credit Union (BECU)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable or irrevocable trust-owned deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust is the Primary Account Holder, trustees are Authorized Signers; share savings, savings, checking, money market and CDs; beneficiary names on a trust account are for NCUSIF insurance only, not POD", "quote": "Revocable trust accounts and irrevocable trust accounts are established as Personal Accounts. ... Account types that are available for trusts: Member Share Savings, Savings, Checking, Money Market, and", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "BECU's own Certification of Trust (form 6001, RCW 11.98.075) is a required document", "quote": "BECU Certification of Trust ... BECU, upon request, a certification of trust in accordance with RCW 11.98.075", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "only the application and the BECU Certification of Trust are listed; the agreement reserves the right to ask for other documents", "quote": "Documents required: ... BECU Certification of Trust", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "each trustee signs the certification (up to 4 acting trustee signature lines on the application); any trustee may act alone", "quote": "By signing below each Trustee declares under penalty of perjury ... The trustee(s) can individually exercise all powers of an Account Holder.", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "13", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "SSN, photo ID details and identity verification for every acting trustee", "quote": "The Social Security number (SSN) is required for the acting trustee(s) ... IDV completed for all acting Trustees", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN required; either a personal TIN (named individual) or an EIN", "quote": "the Taxpayer Identification number (TIN) is required for the Trust ... Option One: The Trust uses a Personal Tax Identification Number (TIN). ... Option Two: The Trust uses an Employer Identification Number (EIN).", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "change request form (add, retain or remove trustees; add successor trustee); trustees must notify BECU in writing", "quote": "G. Update trust/trustee information (Complete sections 1, 2, and 9) ... will promptly notify BECU in writing of any change in the currently acting Trustee(s)", "account_type": "Revocable or irrevocable trust-owned deposit accounts", "page": "2", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6823.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bokf", "institution": "BOKF, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "BOKF account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned accounts", "quote": "If the Owner of the Account is a trust, we may require the trustee to furnish us with evidence of any trust provision relating to the opening or maintenance of the Account and any changes therein.", "account_type": "BOKF account owned by a trust", "page": "4", "source_url": "https://edge.sitecorecloud.io/bokfna15473-bokf40a9-prode209-f913/media/Files/PDF/BOK/BOK8029.pdf", "form_number": "BOK8029", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "evidence of changes and new signatures", "quote": "we may require the trustee to furnish us with evidence of any trust provision relating to the opening or maintenance of the Account and any changes therein. Such Owner will be asked to furnish the names and signatures of persons authorized to conduct transactions.", "account_type": "BOKF account owned by a trust", "page": "4", "source_url": "https://edge.sitecorecloud.io/bokfna15473-bokf40a9-prode209-f913/media/Files/PDF/BOK/BOK8029.pdf", "form_number": "BOK8029", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-campus-usa", "institution": "Campus USA Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are contemplated (excluded from the POD rules); no trust account terms given", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "5", "source_url": "https://campuscu.com/media/zdhdlmj5/membership-agreement.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "2026-02-18", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-capital-city-bank", "institution": "Capital City Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account held by a trustee" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trustee must be designated as such on the Signature Card; otherwise the account is treated as individually owned", "quote": "Any individual acting as an Agent, Guardian, Personal Representative, Representative Payee, Trustee, Custodian or in some other fiduciary capacity must be designated to the Bank as such on the Signature Card.", "account_type": "Deposit account held by a trustee", "page": "web page", "source_url": "https://www.ccbg.com/deposit-account-terms-and-conditions", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice ends a fiduciary's authority; the bank may require a new signature card or closing and reopening on a change", "quote": "The Bank is authorized to follow the directions of your fiduciary regarding your Account until we receive written notice that the fiduciary's authority has been terminated ... we may require you to close your Account in the event of any change in ownership", "account_type": "Deposit account held by a trustee", "page": "web page", "source_url": "https://www.ccbg.com/deposit-account-terms-and-conditions", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-capital-one", "institution": "Capital One, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Capital One deposit account owned by a revocable living trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable living trusts only; existing accounts converted (no IRAs, minor or business accounts)", "quote": "If you have an existing Capital One Bank account, you can convert it to Trust ownership. We currently offer this option for Revocable Living Trusts", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "web page", "source_url": "https://www.capitalone.com/help-center/checking-savings/converting-to-revocable-living-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Capital One Certificate of Trust form", "quote": "Download our Certificate of Trust form . Complete all sections of the form in entirety", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "web page", "source_url": "https://www.capitalone.com/help-center/checking-savings/converting-to-revocable-living-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "the Certificate of Trust summarizes the trust; the agreement is for reference while completing it and no copy is requested", "quote": "This form does not establish a Trust; it simply permits you to transfer your funds from your name to your Trust and summarizes certain parts of your Trust. ... Have your Trust Agreement available for reference", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/help-center/kmi_final-approved-creative_certificate-of-trust.pdf", "form_number": "Certificate of Trust", "revision_date": "2025-05-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees, notarized", "quote": "Take the form to a Notary to obtain a notarized signature. All Trustees' signatures need to be notarized.", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "web page", "source_url": "https://www.capitalone.com/help-center/checking-savings/converting-to-revocable-living-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "max three trustees; grantor must be a trustee", "quote": "You can have up to three Trustees on a trust account (one of them must be the Grantor).", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "web page", "source_url": "https://www.capitalone.com/help-center/checking-savings/converting-to-revocable-living-trust/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "one trust tax ID (SSN, ITIN or EIN); W-9 on the Trust Maintenance Form if the TIN changes", "quote": "Trust tax ID (List one only) ... SSN ... ITIN ... EIN", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/help-center/kmi_final-approved-creative_certificate-of-trust.pdf", "form_number": "Certificate of Trust", "revision_date": "2025-05-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "notarized Trust Maintenance Form certification; supporting documents for a removed trustee; an existing Grantor must authorize", "quote": "I further certify that I have duly qualified as Trustee(s) or successor Trustee(s) under the terms of the Trust and under applicable Law ... Attach any supporting documentation such as a death certificate, court order, trust documents or physician notification.", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "3", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/trustmaintenanceform.pdf", "form_number": "Trust Maintenance Form", "revision_date": "2025-12-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "account closed when the sole grantor is removed (e.g. at death)", "quote": "Capital One requires at least one Trustee to be listed as the Grantor. If the sole Grantor needs to be removed, the account must be closed.", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "3", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/trustmaintenanceform.pdf", "form_number": "Trust Maintenance Form", "revision_date": "2025-12-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "Trust Maintenance Form, grantor signs, all notarized, supporting documents", "quote": "The Grantor signature is required and all signatures must be notarized. ... Attach any supporting documentation such as a death certificate, court order, trust documents or physician notification.", "account_type": "Capital One deposit account owned by a revocable living trust", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/trustmaintenanceform.pdf", "form_number": "Trust Maintenance Form", "revision_date": "2025-12-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-cathay-bank", "institution": "Cathay Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Cathay Bank formal trust account (written trust agreement)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes", "quote": "A Formal Trust Account is an account held by one or more trustees for the benefit of one or more beneficiaries according to a written trust agreement.", "account_type": "Cathay Bank formal trust account (written trust agreement)", "page": "8", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification with supporting excerpts, or the full trust, or both", "quote": "provide us with either or both a Certification of Trust signed by all trustees of the trust and supported by applicable excerpts from the trust agreement or a full copy of the trust agreement", "account_type": "Cathay Bank formal trust account (written trust agreement)", "page": "8", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "a full copy is one of the accepted options and may be required with the certification", "quote": "either or both a Certification of Trust signed by all trustees of the trust and supported by applicable excerpts from the trust agreement or a full copy of the trust agreement", "account_type": "Cathay Bank formal trust account (written trust agreement)", "page": "8", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign the certification", "quote": "a Certification of Trust signed by all trustees of the trust", "account_type": "Cathay Bank formal trust account (written trust agreement)", "page": "8", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-centier-bank", "institution": "Centier Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Fiduciary (trustee) deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees under a written trust agreement may open fiduciary accounts; the bank does not monitor the trust", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Fiduciary (trustee) deposit accounts", "page": "10", "source_url": "https://www.centier.com/docs/default-source/resources/consumer-account-agreement.pdf?sfvrsn=5c8eb1f6_50", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-central-pacific-bank", "institution": "Central Pacific Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Formal Trust Account (deposit account owned by a trust)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees hold the account under a written trust agreement; the bank acts only as custodian", "quote": "A Formal Trust Account is an account held by one or more trustees for the benefit of one or more beneficiaries according to a written trust agreement.", "account_type": "Formal Trust Account (deposit account owned by a trust)", "page": "3", "source_url": "https://www.cpb.bank/deposit-account-agreement-disclosure", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-charles-schwab-bank", "institution": "Charles Schwab Bank, SSB", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Schwab Bank Investor Checking owned by a trust", "Schwab Bank deposit accounts other than Investor Checking owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable, irrevocable, sub-trust and testamentary trusts", "quote": "Schwab Oneยฎ Trust Account Application with Optional Schwab Bank Investor Checkingโ„ข Trust Account", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification, memorandum, affidavit or abstract accepted", "quote": "All pages of the Certification of Trust, Memorandum of Trust, Affidavit of Trust, or Abstract of Trust may be submitted to satisfy the trust documentation.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpts only", "quote": "For a Revocable Trust, attach a copy of the first page or title page and all signature pages of the Trust documentation along with this Application.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page and all signature pages; sub-trusts also need the creating provision; testamentary trusts need will pages and proof of filing", "quote": "For a Revocable Trust, attach a copy of the first page or title page and all signature pages of the Trust documentation along with this Application. ... For a Sub-Trust (e.g., Marital Trust, Bypass Trust, or Generation-Skipping Trust), in addition to the requested", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees; notarized for trusts governed by 13 listed states unless grantor, trustee and beneficiary are the same people", "quote": "All Trustees must sign the Trustee Certification (Section 14) and the Application (Section 16). ... All trustee signatures MUST be notarized if your trust is governed by the laws of any of the following states: California, Delaware, Idaho, Iowa, Kansas, Michigan, Minnesota, Mississippi, Nebraska, Nevada, South Dakota, Tennessee, and Vermont.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "ID number for each trustee", "quote": "ID Number and Type (Please select only one box and provide the relevant information below.) Passport Driver's License", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "3", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "TIN change requires a new account", "quote": "If the Taxpayer Identification Number (TIN) is changing, a new account must be opened.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "trust page naming the successor", "quote": "If the original trustees have changed, provide the page(s) of the Trust that names the successor Trustee or otherwise validates the appointment of the successor Trustee.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "new account when the trust gets its own TIN after death", "quote": "If the Taxpayer Identification Number (TIN) is changing, a new account must be opened.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trust page naming or validating the new trustee", "quote": "If the original trustees have changed, provide the page(s) of the Trust that names the successor Trustee or otherwise validates the appointment of the successor Trustee.", "account_type": "Schwab Bank Investor Checking owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-charles-schwab-premier-bank", "institution": "Charles Schwab Premier Bank, SSB", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Charles Schwab Premier Bank Bank Sweep deposit accounts of a trust-registered Schwab brokerage account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "Bank Sweep deposits are held for revocable and irrevocable trust accounts (Charles Schwab & Co. Cash Features Disclosure Statement; Schwab acts as agent)", "quote": "the Deposit Limit for revocable and irrevocable trusts for each Program Bank will be $249,000 regardless of the number of owners and beneficiaries", "account_type": "Charles Schwab Premier Bank Bank Sweep deposit accounts of a trust-registered Schwab brokerage account", "page": "9", "source_url": "https://disclosures.schwab.com/SchwabDashboard/61678/REG90540.pdf", "form_number": "REG90540-15", "revision_date": "2025-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-citibank", "institution": "Citibank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Citibank deposit account owned by a formal trust (Special Title Account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable or irrevocable trusts drafted by a legal professional", "quote": "\"Formal Trust Account\" means an account owned by a revocable or irrevocable formal trust created with a document prepared by a legal professional.", "account_type": "Citibank deposit account owned by a formal trust (Special Title Account)", "page": "35", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "own TIN in some cases", "quote": "In some cases, the trust must have its own Taxpayer Identification Number (TIN) issued by the Internal Revenue Service (IRS).", "account_type": "Citibank deposit account owned by a formal trust (Special Title Account)", "page": "35", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-citizens-bank", "institution": "Citizens Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Citizens formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "only if every trust beneficiary is a natural person; claims on trust accounts do not use the POD disbursement form", "quote": "We may, in our sole discretion, allow a trustee or the trustees of a formal written trust to establish a trust account if all of the trust's beneficiaries are natural persons.", "account_type": "Citizens formal trust account", "page": "19", "source_url": "https://www.citizensbank.com/caas/nsf/assets/pdf/Deposit_Account_Agreement.pdf", "form_number": "OV1161659", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Certificate of Trust on request", "quote": "you agree, upon request, to provide us with a completed Certificate of Trust and any other requested supporting documentation, in a form satisfactory to us.", "account_type": "Citizens formal trust account", "page": "19", "source_url": "https://www.citizensbank.com/caas/nsf/assets/pdf/Deposit_Account_Agreement.pdf", "form_number": "OV1161659", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-city-national-bank", "institution": "City National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "City National fiduciary account for a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "Executors, administrators, conservators, personal representatives, guardians or trustees under written trust agreements, court orders or other documents may open accounts as fiduciaries.", "account_type": "City National fiduciary account for a written trust", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trust copy, portions, or trustee certification", "quote": "a copy of the trust instrument, or portions of the trust instrument or appropriate trustee certification", "account_type": "City National fiduciary account for a written trust", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "alternatives accepted", "quote": "a copy of the trust instrument, or portions of the trust instrument or appropriate trustee certification", "account_type": "City National fiduciary account for a written trust", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "documents must show fiduciary, powers, succession provisions and unusual provisions", "quote": "This documentation will verify that the person or persons opening the account is or are the designated fiduciary, his or her powers, the provisions for succession and any unusual provisions.", "account_type": "City National fiduciary account for a written trust", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-city-county-employees", "institution": "City-County Employees Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned share accounts" ], "florida": true, "fields": {} }, { "inst_id": "bank-columbia-bank", "institution": "Columbia Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Columbia Bank account opened by a trustee under a written trust agreement" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts under a written trust", "quote": "This Account may be opened and maintained by a person or persons named ... as a trustee under a written trust agreement, or as executors, administrators, or", "account_type": "Columbia Bank account opened by a trustee under a written trust agreement", "page": "4", "source_url": "https://www.columbiabank.com/globalassets/media/documents/columbia_bank_personal_rules_and_regulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-columbia-bank", "institution": "Columbia Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Formal trust account (deposit account held by trustees)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts held by the trustees; the bank acts only as custodian and does not inquire into the trustees' powers", "quote": "A formal Trust Account is an Account held by one or more trustees for the benefit of one or more beneficiaries according to a written trust agreement.", "account_type": "Formal trust account (deposit account held by trustees)", "page": "10", "source_url": "http://www.columbiabankonline.com:80/home/fiFiles/static/documents/disclosure-depositaccountagreement.pdf", "form_number": "", "revision_date": "2014-08-05", "wayback_capture": "2016-08-28", "retrieved": "2026-09-26" }, "full_instrument_required": { "value": "yes", "detail": "a copy of the trust agreement on the bank's request (not stated as required at opening)", "quote": "Upon our request, the trustee(s) will supply to us a copy of any trust agreement covering the Account.", "account_type": "Formal trust account (deposit account held by trustees)", "page": "10", "source_url": "http://www.columbiabankonline.com:80/home/fiFiles/static/documents/disclosure-depositaccountagreement.pdf", "form_number": "", "revision_date": "2014-08-05", "wayback_capture": "2016-08-28", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-commerce-bank", "institution": "Commerce Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Commerce fiduciary (trustee) account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee designated on signature card", "quote": "Any individual or entity acting as guardian, conservator, personal representative, trustee, custodian, attorney-in-fact or in some other fiduciary capacity (\"Agent\") must be designated to us as such on the signature card", "account_type": "Commerce fiduciary (trustee) account", "page": "11", "source_url": "https://www.commercebank.com/-/media/cb/pdf/personal/bank/Deposit-Agreement.pdf", "form_number": "CB5965", "revision_date": "2021-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-community-first-of-florida", "institution": "Community First Credit Union of Florida", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Membership account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "the 2019 edition lists a trust among possible individual account owners; the POD paragraph does not apply to an account held in the name of a trust", "quote": "An individual account is an account owned by one (1) member (individual, corporation, partnership, trust, or other organization) qualified for credit union membership.", "account_type": "Membership account owned by a trust", "page": "1", "source_url": "https://www.communityfirstfl.org/cfcu/media/documents/Consumer-Membership-Agreement.pdf", "form_number": "D10018", "revision_date": "", "wayback_capture": "2019-09-18", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-customers-bank", "institution": "Customers Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Customers Bank trust and fiduciary deposit accounts (written trust agreement)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts under a written agreement (also an \"Irrevocable Trust Account\" section)", "quote": "A fiduciary account is an account established by you as a trustee, guardian, executor or administrator under a written agreement or court order.", "account_type": "Customers Bank trust and fiduciary deposit accounts (written trust agreement)", "page": "web page", "source_url": "https://www.customersbank.com/consumer-disclosures/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor must present documentation of appointment", "quote": "A successor fiduciary must first present to us the appropriate documentation establishing their appointment as the successor fiduciary.", "account_type": "Customers Bank trust and fiduciary deposit accounts (written trust agreement)", "page": "web page", "source_url": "https://www.customersbank.com/consumer-disclosures/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "funds frozen until the required legal documents are delivered (irrevocable trust section)", "quote": "If you die or are replaced as trustee, we will not release any funds until all required legal documents have been delivered to us and all other legal requirements have been met.", "account_type": "Customers Bank trust and fiduciary deposit accounts (written trust agreement)", "page": "web page", "source_url": "https://www.customersbank.com/consumer-disclosures/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-desert-financial", "institution": "Desert Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned membership account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust ownership recognized; it extends to all current and future shares matching the trustor/trustee relationships unless the member excludes them in writing", "quote": "Trust Ownership. Trust ownership applies to all shares current and future in which the share ownership matches the Trustor/Trustee relationships designated in the trust", "account_type": "Trust-owned membership account", "page": "2", "source_url": "https://www.desertfinancial.com/globalassets/files/legal/Statement-Terms-and-Conditions.pdf", "form_number": "", "revision_date": "2026-05-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "on request, the credit union may review the trust agreement, which governs the account", "quote": "The terms of any agency agreement, trust agreement, court order, or other document in which the account is opened will govern the account, and Credit Union has the right to review such a document", "account_type": "Trust-owned membership account", "page": "2", "source_url": "https://www.desertfinancial.com/globalassets/files/legal/Statement-Terms-and-Conditions.pdf", "form_number": "", "revision_date": "2026-05-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-deutsche-bank-trust-company-americas", "institution": "Deutsche Bank Trust Company Americas", "segment": "bank", "account_group": "bank_pod", "account_types": [ "DBTCA trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts offered", "quote": "If you open an estate Account, trust Account, guardianship or conservatorship Account, or other similar type of Account", "account_type": "DBTCA trust account", "page": "61", "source_url": "https://country.db.com/usa/legal-resources/documents/DBTCA-CRAPF-202404.pdf?language_id=1", "form_number": "WM23015119", "revision_date": "2023-08-15", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-dcu", "institution": "Digital Federal Credit Union (DCU)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable trusts; membership rule differs (M701, Wayback 2019 capture)", "quote": "Establish a NEW DCU Trust Account ... If the Trust is a Revocable Trust, one or more Trustors is a member of the Credit Union. If the Trust is an Irrevocable Trust, either all trustors or all beneficiaries must be members of the Credit Union.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "2", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "DCU's own application with trustee certifications (trust name, execution date, trustors, trustees, successor trustees, beneficiaries) in place of the instrument", "quote": "The Trustees certify that they are duly appointed under the Trust Instrument ... THE CREDIT UNION HAS NOT RECEIVED A COPY OF THE TRUST AGREEMENT", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "5", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "instrument not kept; only forwarded in a sealed envelope to a third party when trust assets secure a loan; DCU may require proof of existence and trustee powers", "quote": "The Credit Union will not accept copies of the Trust Instrument which are not in a sealed envelope. ... the Credit Union will not keep any Trust Instruments in its files ... The Credit Union reserves the right at any time to require proof in a form acceptable to the Credit Union, affirming the existence of the Trust", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "4", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustors and trustees sign the application; each trustee may act alone (account agreement)", "quote": "ALL TRUSTORS AND TRUSTEES MUST SIGN THE APPLICATION. ... DCU does not offer Accounts on which two (2) or more signatures are required. Therefore, if there are two or more trustees or executors for the Account, each is authorized to act individually.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "4", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "two IDs per trustee (one photo, one showing residential address)", "quote": "All TRUSTEES must provide the following current identification, one of which must include a picture and one of which must reflect the individual's current residential address as given.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "2", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "SSNs of trustors, trustees, successor trustees and trust beneficiaries collected; TIN box typically the prime owner's SSN", "quote": "The legal name; residential address; date of birth; and Social Security Number; of all TRUSTORS ... Typically this will be the Prime Owner's SSN.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "2", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustees named at opening; resignation letter or certified death certificates plus a new application", "quote": "the Successor Trustees must provide the Credit Union with either a letter of resignation signed by the existing Trustees or certified copies of the death certificates for the Trustees. The Successor Trustees must also complete a new Application. ... The Application will not be approved unless Successor Trustees are designated on the Application.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "5", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "notify DCU; authority continues until written notice reaches headquarters", "quote": "Trustees agree to promptly notify the Credit Union if any of the Trustors or Trustees die or become incapacitated.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "5", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new application for any change of trustor or trustee; successor trustees must close accounts within 90 days (DCU may close on day 91 and mail a check), may reapply", "quote": "If there is a change in the parties or terms of the Trust, including but not limited to a change in Trustor or Trustee, or a change of address of a Trustor or Trustee, all Trustors and Trustees agree to execute a new ... Successor Trustees shall close all accounts opened under the Application within 90 days after receiving notification of death, resignation, or incapacity of the Trustees.", "account_type": "DCU trust account (Application and Agreement for Credit Union Account in the Name of Trustee(s), M701)", "page": "5", "source_url": "https://www.dcu.org/content/dam/dcu/global/generic/documents/trust-application.pdf", "form_number": "M701", "revision_date": "", "wayback_capture": "2019-09-22", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-dollar-bank-federal-savings-bank", "institution": "Dollar Bank, Federal Savings Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account held by a trustee or other fiduciary" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts designated on the Signature Card; trust agreements are among the documents the bank may review", "quote": "Any individual(s) acting as an agent, guardian, personal representative, attorney-in-fact, custodian or some other fiduciary capacity (individually and collectively, an \"Agent\") must be designated by the Bank as such on the Signature Card.", "account_type": "Deposit account held by a trustee or other fiduciary", "page": "web page", "source_url": "https://www.dollar.bank/Company/Legal/Deposit-Agreement", "form_number": "", "revision_date": "2010-09-15", "wayback_capture": "2019-08-18", "retrieved": "2026-09-26" }, "trustee_change": { "value": "yes", "detail": "written notice of termination of the fiduciary's authority", "quote": "The Bank is authorized to follow the directions of your Agent regarding your account until the Bank receives written notice that the agency has been terminated and it has had a reasonable opportunity to act upon the notice.", "account_type": "Deposit account held by a trustee or other fiduciary", "page": "web page", "source_url": "https://www.dollar.bank/Company/Legal/Deposit-Agreement", "form_number": "", "revision_date": "2010-09-15", "wayback_capture": "2019-08-18", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-east-west-bank", "institution": "East West Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "East West documented trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee certifies on the signature card", "quote": "Documented Trust Accounts - If you establish an account in connection with a written trust you certify that: (1) you are the only current trustee(s) of the trust", "account_type": "East West documented trust account", "page": "15", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "notarized trust certification on request", "quote": "Upon our request, you agree to provide us with a written and notarized trust certification, or any other documentation we may require, pertaining to the account.", "account_type": "East West documented trust account", "page": "15", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "advance notice of trustee or beneficiary changes", "quote": "You agree to provide us with reasonable advance notice of any amendments made to the trust, any change in trustees or beneficiaries, and any other event that might affect any right, duty or authorization of any person", "account_type": "East West documented trust account", "page": "15", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-ecu", "institution": "ECU Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned share accounts" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own an individual account; no opening or documentation rules stated", "quote": "An individual account is an account owned by one (1) member (individual, corporation, partnership, trust or other organization) qualified for credit union membership.", "account_type": "Trust-owned share accounts", "page": "1", "source_url": "https://www.ecucreditunion.com/uploads/5/7/5/4/5754329/membership_and_account_agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-03-01", "retrieved": "2026-09-26" } } }, { "inst_id": "cu-ent", "institution": "Ent Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Ent account owned by a trust (trust membership account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may be a member and own accounts, at the credit union's discretion; the credit union cannot act as trustee", "quote": "A single party account is an account owned by one member including any individual, corporation, trust or other ... The credit union, in its sole discretion, has the right to refuse any trust for application for membership or open new accounts under the name of the trust.", "account_type": "Ent account owned by a trust (trust membership account)", "page": "1", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Credit Union Affidavit of Trust or similar certificate of trust (may be required)", "quote": "we reserve the right to require the trustee(s) to complete a \"Credit Union Affidavit of Trust\" or similar Certificate of Trust.", "account_type": "Ent account owned by a trust (trust membership account)", "page": "2", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "paid to the successor trustee (or trust beneficiary) designated on the Signature Card, Affidavit of Trust or other trust documentation on file", "quote": "upon the death of the last account owner, payable to any named and surviving POD or trust beneficiary or Successor Trustee designated on your Signature Card, Affidavit of Trust, or other trust documentation on file with us.", "account_type": "Ent account owned by a trust (trust membership account)", "page": "2", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-everbank", "institution": "EverBank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "EverBank trust account" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable or irrevocable", "quote": "This Trust account is a(n): Revocable Trust Irrevocable Trust", "account_type": "EverBank trust account", "page": "3", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt3e7c46a9e6ec3739/66b1382d792c8e23c147de25/app-banking.pdf", "form_number": "23MCM0407", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "EverBank's own Trustee Certification", "quote": "EverBank Trustee Certification", "account_type": "EverBank trust account", "page": "2", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt3e7c46a9e6ec3739/66b1382d792c8e23c147de25/app-banking.pdf", "form_number": "23MCM0407", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "overrides the earlier \"no\", the application checklist asks for two trust pages, but the June 2024 terms booklet lets EverBank require a full copy and requires a copy of the trust agreement for irrevocable trusts", "quote": "If the fiduciary account is being established for a trust, we may require the Account ... Holder to provide a full copy of the written trust agreement. ... If the account is established for an irrevocable trust, ... the Account Holder must provide a copy of the written trust agreement and trustee", "account_type": "EverBank trust account", "page": "13", "source_url": "https://www.everbank.com/api/public/services/download?filePath=%2Fblt12844f397ad182a6%2Fblt5378ba37901f5b19%2F66292c1f4da2a9d4aeff2f3f%2Fterms-personal.pdf", "form_number": "24MCM0104", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "description page and signature page", "quote": "Copy of page in Trust document describing the Trust (i.e. who is the Trustee(s), Grantor(s), title of Trust, creation date of Trust, etc.) Copy of signature page in Trust with grantor(s)' and Trustee(s)' signatures", "account_type": "EverBank trust account", "page": "2", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt3e7c46a9e6ec3739/66b1382d792c8e23c147de25/app-banking.pdf", "form_number": "23MCM0407", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "any one trustee may act", "quote": "If more than one Account Holder is named as fiduciary on the account, we shall act on the signature ... of any one Account Holder", "account_type": "EverBank trust account", "page": "14", "source_url": "https://www.everbank.com/api/public/services/download?filePath=%2Fblt12844f397ad182a6%2Fblt5378ba37901f5b19%2F66292c1f4da2a9d4aeff2f3f%2Fterms-personal.pdf", "form_number": "24MCM0104", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN or trust TIN; grantor details if different", "quote": "If the Grantor(s) and Trustee(s) are different and/or not using the Grantor's Social Security number as the Tax ID for the Trust, provide the Grantor(s)' name, date of birth, and Social Security number", "account_type": "EverBank trust account", "page": "3", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt3e7c46a9e6ec3739/66b1382d792c8e23c147de25/app-banking.pdf", "form_number": "23MCM0407", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "evidence satisfactory to the bank; then instructions of the successor trustee", "quote": "Upon the death, incapacity or replacement of a fiduciary, ... as shown by evidence satisfactory to us, we shall rely upon the instructions of the ... successor fiduciary(ies).", "account_type": "EverBank trust account", "page": "13", "source_url": "https://www.everbank.com/api/public/services/download?filePath=%2Fblt12844f397ad182a6%2Fblt5378ba37901f5b19%2F66292c1f4da2a9d4aeff2f3f%2Fterms-personal.pdf", "form_number": "24MCM0104", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "same rule on replacement of a trustee", "quote": "Upon the death, incapacity or replacement of a fiduciary, ... as shown by evidence satisfactory to us, we shall rely upon the instructions of the", "account_type": "EverBank trust account", "page": "13", "source_url": "https://www.everbank.com/api/public/services/download?filePath=%2Fblt12844f397ad182a6%2Fblt5378ba37901f5b19%2F66292c1f4da2a9d4aeff2f3f%2Fterms-personal.pdf", "form_number": "24MCM0104", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-fairwinds", "institution": "Fairwinds Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable trusts", "quote": "Once you establish your trust, you'll need the following to open a Trust Account:", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "full, completed trust agreement", "quote": "Full Trust Agreement. You'll need to consult with an attorney to draft the details of your trust. We won't be able to open your trust account without a completed agreement.", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "valid photo ID; the page does not say whose", "quote": "Valid photo ID (Driver's License, State ID, Passport)", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "proof of the trust's EIN where it has one", "quote": "Proof of EIN for the trust (if applicable)", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate of a named trustee (with the full agreement)", "quote": "Death certificate (if applicable) for the Grantor or Trustee in the Trust Agreement", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "death certificate of a deceased grantor at account opening", "quote": "Death certificate (if applicable) for the Grantor or Trustee in the Trust Agreement", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.fairwinds.org/personal/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-ficare", "institution": "FiCare Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned share accounts" ], "florida": true, "fields": {} }, { "inst_id": "bank-fifth-third-bank", "institution": "Fifth Third Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Fifth Third deposit account held by a trustee" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust (fiduciary) deposit accounts exist; trustees must supply beneficial-ownership data for FDIC coverage", "quote": "As trustee for this account, you will need to provide the information listed below", "account_type": "Fifth Third deposit account held by a trustee", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/legal/trust-learn-more.pdf", "form_number": "1090K1", "revision_date": "", "wayback_capture": "2021-09-21", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor's SSN; trust TIN if the trust has one", "quote": "Grantor's information - e.g., address and Social Security number ... Trust Tax Identification Number (TIN), if applicable", "account_type": "Fifth Third deposit account held by a trustee", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/legal/trust-learn-more.pdf", "form_number": "1090K1", "revision_date": "", "wayback_capture": "2021-09-21", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-first-choice", "institution": "First Choice Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned accounts permitted case by case; the credit union does not administer trust accounts", "quote": "A single owner Account is an Account owned by one member including any individual, corporation, partnership, trust or other organization qualified for Credit Union membership. ... The Credit Union may, at its complete discretion, permit accounts to be owned by trusts on a case-by-case basis.", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://www.firstchoicecu.org/wp-content/uploads/2026/08/Membership-Agreement-08-27-2026.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-first-commonwealth-bank", "institution": "First Commonwealth Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Fiduciary (trust) deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trustee may hold an account under a written trust agreement; the bank acts only as custodian of the trust funds", "quote": "Fiduciary or Agency Ownership: when an Account is held by an individual who acts as an attorney-in-fact, agent, guardian, personal representative, trustee, custodian or some other fiduciary capacity for the benefit of one or more beneficiaries under a written Agreement.", "account_type": "Fiduciary (trust) deposit accounts", "page": "12", "source_url": "https://www.fcbanking.com/media/qufptg34/fcb-deposit-account-agreement_070125.pdf", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "2026-02-10", "retrieved": "2026-09-26" }, "grantor_death": { "value": "yes", "detail": "CD early withdrawal penalties are waived on the death of the grantor of a revocable living trust; no documentation requirement stated", "quote": "We will waive early withdrawal penalties in these circumstances ... Death of a CD owner or a grantor of a revocable family/living trust", "account_type": "Fiduciary (trust) deposit accounts", "page": "11", "source_url": "https://www.fcbanking.com/media/qufptg34/fcb-deposit-account-agreement_070125.pdf", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "2026-02-10", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-first-horizon-bank", "institution": "First Horizon Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "First Horizon fiduciary account under a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee under a written trust agreement may open a fiduciary account", "quote": "a person or persons named as a trustee under a written trust agreement, or as", "account_type": "First Horizon fiduciary account under a written trust", "page": "3", "source_url": "https://www.firsthorizon.com/-/media/Files/DepositorAgreement.PDF", "form_number": "RT-26-2211", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "any one co-trustee may withdraw unless the signature card says otherwise; co-fiduciaries appoint each other as agents", "quote": "such an account shall be subject to withdrawal on the signature of one fiduciary, ... unless the contrary is noted on the signature card or other account document", "account_type": "First Horizon fiduciary account under a written trust", "page": "3", "source_url": "https://www.firsthorizon.com/-/media/Files/DepositorAgreement.PDF", "form_number": "RT-26-2211", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-first-tech", "institution": "First Technology Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned checking and savings accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts are eligible for Rewards checking and savings (Truth in Savings disclosure)", "quote": "Account must be a personal account, trust account, or similar fiduciary account.", "account_type": "Trust-owned checking and savings accounts", "page": "1", "source_url": "https://www.firsttechfed.com/-/media/firsttech-web/documents/disclosures/form_tis-disclosures_ftrcheckingsavings_eff260101_260105.pdf", "form_number": "", "revision_date": "2026-01-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-first-citizens-bank-trust-company", "institution": "First-Citizens Bank & Trust Company", "segment": "bank", "account_group": "bank_pod", "account_types": [ "First Citizens deposit account held under a written trust agreement or will" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "This account may be opened and maintained by a person, or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders", "account_type": "First Citizens deposit account held under a written trust agreement or will", "page": "10", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "funds may be frozen until a successor trustee is in place", "quote": "If you die, we may not be able to release any funds until a successor trustee is appointed and all other technical legal requirements have been satisfied.", "account_type": "First Citizens deposit account held under a written trust agreement or will", "page": "11", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "as above", "quote": "If you die, we may not be able to release any funds until a successor trustee is appointed", "account_type": "First Citizens deposit account held under a written trust agreement or will", "page": "11", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice that a trustee's role has ended; the bank may require evidence of any successor trustee's authority", "quote": "We are authorized to follow the directions of the fiduciary regarding the account until we receive written notice that the fiduciary relationship has been terminated and we have had a reasonable time to act upon the notice.", "account_type": "First Citizens deposit account held under a written trust agreement or will", "page": "10", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-firstbank", "institution": "FirstBank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account opened by a trustee under a written trust agreement" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary account opened by the trustee(s); the bank does not monitor or enforce the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account opened by a trustee under a written trust agreement", "page": "3", "source_url": "http://www.firstbankonline.com/wp-content/uploads/2013/12/FirstBank-AccountAgreement-TermsConditions.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2014-10-20", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-florida", "institution": "Florida Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own an account; the trustee is designated as such on the Account Card", "quote": "An individual or single-party account is an account owned by one person, including an individual, corporation, trust, or other organization qualified for Credit Union membership. ... We may open accounts pursuant to any court order, trust agreement, or similar authority", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.flcu.org/getmedia/820e61f8-85b7-42eb-b21d-6ba78958c0e9/Membership-and-Account-Agreement.pdf", "form_number": "FI19817", "revision_date": "2026-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-florida-west-coast", "institution": "Florida West Coast Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (fiduciary account)" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trustee under a written trust agreement may open and maintain an account; the credit union does not act as trustee or monitor or enforce the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "8", "source_url": "https://www.fwccu.com/files/fwccu/1/file/Disclosures/Truth-in-Savings-07-01-2025-002.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-floridacentral", "institution": "FloridaCentral Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary account opened by the trustee(s) named in a written trust agreement; the CU does not monitor or enforce the trust", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.", "account_type": "Deposit account owned by a trust", "page": "8", "source_url": "https://www.floridacentralcu.com/_/kcms-doc/323/92802/Understanding-Our-Relationship.pdf", "form_number": "EFLAB113", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-forbright-bank", "institution": "Forbright Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (fiduciary account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trustee under a written trust agreement may open and maintain an account; the bank does not act as trustee or monitor or enforce the trust terms (2024 consumer terms)", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "6", "source_url": "https://www.forbrightbank.com/wp-content/uploads/2024/11/Final-Forbright-Consumer-Terms-and-Conditions.pdf", "form_number": "EMDAIB35", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-frost-bank", "institution": "Frost Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Frost formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts", "quote": "A Formal Trust Account is an Account held by you and one (1) or more other persons, each acting as a trustee for the benefit of one (1) or more beneficiaries according to a written trust agreement.", "account_type": "Frost formal trust account", "page": "web page", "source_url": "https://www.frostbank.com/agreements-disclosures/deposit-account-agreement-other-disclosures", "form_number": "Deposit Account Agreement and Other Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "copy of the trust agreement on request", "quote": "Upon our request, you will supply us a copy of any trust agreement covering the Account.", "account_type": "Frost formal trust account", "page": "web page", "source_url": "https://www.frostbank.com/agreements-disclosures/deposit-account-agreement-other-disclosures", "form_number": "Deposit Account Agreement and Other Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-fulton-bank", "institution": "Fulton Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Fulton Bank trust (fiduciary) deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts offered (formal trust accounts are distinct from POD/ITF multiple-party accounts)", "quote": "Minimum age for an agent to open a Guardian or Trust account is 18. ... does not apply to a regular trust account under a testamentary trust or a trust agreement which has significance apart from the account", "account_type": "Fulton Bank trust (fiduciary) deposit account", "page": "17", "source_url": "https://www.fultonbank.com/-/media/Files/Blue-Foundry/consumer-guide.pdf", "form_number": "16I-1", "revision_date": "2025-12-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "the bank may review and retain a copy of the trust agreement (a right, not a stated requirement at opening)", "quote": "We have the right to review and retain a copy of any power of attorney, agency agreement, trust agreement, court order, or other document that has established the agency or other fiduciary relationship.", "account_type": "Fulton Bank trust (fiduciary) deposit account", "page": "11", "source_url": "https://www.fultonbank.com/-/media/Files/Disclosures/Q1-2026-Rules-and-Regs.pdf", "form_number": "Rules and Regulations for Deposit Accounts", "revision_date": "2026-03-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "a trustee (an \"agent\") is honored until written notice that the fiduciary relationship has ended", "quote": "You authorize us to honor account instructions of your agent regarding your account until we receive written notice that the agency or fiduciary relationship has been terminated", "account_type": "Fulton Bank trust (fiduciary) deposit account", "page": "11", "source_url": "https://www.fultonbank.com/-/media/Files/Disclosures/Q1-2026-Rules-and-Regs.pdf", "form_number": "Rules and Regulations for Deposit Accounts", "revision_date": "2026-03-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-glacier-bank", "institution": "Glacier Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Glacier Bank fiduciary (trust) deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts opened by a trustee as fiduciary; the bank does not monitor the fiduciary", "quote": "Fiduciary accounts include, but are not limited to, uniform transfers to minors act accounts, estate accounts, trust accounts", "account_type": "Glacier Bank fiduciary (trust) deposit account", "page": "12", "source_url": "https://www.glacierbank.com/assets/files/c1hN61To/esignconsent.pdf", "form_number": "EMTAIB31", "revision_date": "2022-06-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-global", "institution": "Global Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned membership account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, as a new account in the trust's name; an existing member account cannot be retitled to the trust", "quote": "A Trust Agreement or Trust Abstract is required to establish a Trust account ... An existing member account may not be converted into a Trust account; a separate account in the name of the trust must be established", "account_type": "Trust-owned membership account", "page": "6", "source_url": "https://www.globalcu.org/siteassets/pdfs/global-00106-share-account-disclosure-statement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "a trust abstract is accepted in place of the trust agreement", "quote": "A Trust Agreement or Trust Abstract is required to establish a Trust account", "account_type": "Trust-owned membership account", "page": "6", "source_url": "https://www.globalcu.org/siteassets/pdfs/global-00106-share-account-disclosure-statement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "trust agreement or abstract; the full instrument is not mandatory", "quote": "A Trust Agreement or Trust Abstract is required to establish a Trust account", "account_type": "Trust-owned membership account", "page": "6", "source_url": "https://www.globalcu.org/siteassets/pdfs/global-00106-share-account-disclosure-statement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "any one representative (trustees included) may withdraw; each trustee may borrow and pledge and warrants this is permitted by the trust documents", "quote": "All accounts shall be subject to withdrawal or receipt by any one of the account owner(s) or representative(s) ... All Trustee(s) may borrow from us, guarantee debts of others made by us, and pledge all or any part of the account as collateral security", "account_type": "Trust-owned membership account", "page": "5", "source_url": "https://www.globalcu.org/siteassets/pdfs/global-00106-share-account-disclosure-statement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "after a death, the trust agreement, certification of trust and/or amendments are reviewed (Account Settlement Guide)", "quote": "Global will need to review the trust agreement, certification of trust, and/or any amendments made to see if the trust account needs to be updated or a new trust account established", "account_type": "Trust-owned membership account", "page": "7", "source_url": "https://www.globalcu.org/siteassets/pdfs/gcu-02867-b-account-settlement-guide.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "Operations Support reviews the trust documents and either updates the account or opens a new trust account", "quote": "Since all trust agreements are different, Global will need to review the trust agreement, certification of trust, and/or any amendments made to see if the trust account needs to be updated or a new trust account established", "account_type": "Trust-owned membership account", "page": "7", "source_url": "https://www.globalcu.org/siteassets/pdfs/gcu-02867-b-account-settlement-guide.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice of a change in representatives (trustees) is required; effective after receipt", "quote": "Account owner(s) and representative(s) agree that we shall be notified if there is any change in the account representative(s), their role, their address, or the addition of an account representative(s). Any change shall be made effective by us only after we have received the change in writing", "account_type": "Trust-owned membership account", "page": "5", "source_url": "https://www.globalcu.org/siteassets/pdfs/global-00106-share-account-disclosure-statement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-goldman-sachs-bank-usa", "institution": "Goldman Sachs Bank USA", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Marcus account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "no", "detail": "no trust-owned accounts", "quote": "Accounts may not be opened in the name of a trust or other legal entity or by a fiduciary (e.g., executor, conservator, guardians, trustees, etc.).", "account_type": "Marcus account owned by a trust", "page": "1", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-grow-financial", "institution": "Grow Financial Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own a single-party account; a trustee may also be added by agency designation (no ownership, but a trustee keeps voting rights)", "quote": "Ownership of the accounts may be held in a number of ways, such as individually, jointly, in trust ... An individual or single-party account is an account owned by one person, including an individual, corporation, trust, or other organization qualified for credit union membership.", "account_type": "Deposit account owned by a trust", "page": "1", "source_url": "https://www.growfinancial.org/wp-content/uploads/2026/06/universal-account-agreement.pdf", "form_number": "FI19414", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-gte", "institution": "GTE Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust exist; no trust account requirements are published", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "1", "source_url": "https://www.gtefinancial.org/content/dam/gte/docs/default-source/disclosures/account-disclosure.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-gulf-winds", "institution": "Gulf Winds Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned accounts are opened under the trust agreement; the trustee is designated on the Account Card", "quote": "An individual or single-party account is an account owned by one person, including an individual, corporation, trust, ... We may open accounts pursuant to any court order, trust agreement, or similar authority in accordance with your desire to establish an account for a trust", "account_type": "Deposit account owned by a trust", "page": "3", "source_url": "https://www.gogulfwinds.com/downloads/GW_MembershipAccountAgreement.pdf", "form_number": "FI19739", "revision_date": "2020-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-hancock-whitney-bank", "institution": "Hancock Whitney Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Hancock Whitney fiduciary account under a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "this account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Hancock Whitney fiduciary account under a written trust", "page": "13", "source_url": "https://www.hancockwhitney.com/hubfs/Forms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement (200974356-010)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-hanmi-bank", "institution": "Hanmi Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts are among the fiduciary accounts the bank opens; no separate trust account terms or forms are saved", "quote": "If you open or manage an estate account, trust account, guardianship or conservatorship account, or other similar type of account, we reserve the right to require any documents we reasonably request", "account_type": "Deposit account owned by a trust", "page": "15", "source_url": "https://www.hanmi.com/deposit-account-agreement", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-happen-bank", "institution": "Happen Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts; the bank does not monitor or enforce the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.happen.com/legal/deposits/personal-deposit-agreement", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flbank-helm-bank-usa", "institution": "Helm Bank USA", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "only indirect, the CD disclosure contemplates CDs held by a revocable living trust; no trust account section", "quote": "Exceptions to the early withdrawal penalty and the Regulation D penalty (Fixed Rate CDs): ... Death of the grantor of a revocable family/living trust", "account_type": "Deposit account owned by a trust", "page": "10", "source_url": "https://www.helmbankusa.com/assets/files/cU9I5qrd", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "a US trust certifies its TIN on Form W-9 (a foreign trust on a W-8 form)", "quote": "in the case of a corporation, partnership, trust, or other entity organized under the laws of the United States, its U.S. tax identification number by providing a completed Internal Revenue Service Form W-9", "account_type": "Deposit account owned by a trust", "page": "13", "source_url": "https://www.helmbankusa.com/assets/files/cU9I5qrd", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "the CD early withdrawal penalty is waived on the death of the grantor of a revocable living trust", "quote": "Death of the grantor of a revocable family/living trust", "account_type": "Deposit account owned by a trust", "page": "10", "source_url": "https://www.helmbankusa.com/assets/files/cU9I5qrd", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-hsbc-bank-usa", "institution": "HSBC Bank USA, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "HSBC trust deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "details from a banker only", "quote": "The Bank offers a number of special purpose accounts, as well as trust, custodial, and fiduciary accounts. A Bank representative can provide details.", "account_type": "HSBC trust deposit account", "page": "4", "source_url": "https://www.us.hsbc.com/content/dam/hsbc/us/en_us/account-opening/online-disclosures/Rules_For_Consumer_Deposit_Accounts_FM0012-11-2020.pdf", "form_number": "FM0012", "revision_date": "2025-05-19", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-idaho-central", "institution": "Idaho Central Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts may be opened by trustees under a written trust agreement; ICCU does not monitor the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Trust-owned deposit account", "page": "7", "source_url": "https://www.iccu.com/file/account-agreement.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-innovations-financial", "institution": "Innovations Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are contemplated (excluded from the POD rules); no trust account terms given", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://assets.innovationsfcu.org/img/www/main/legal/disclosures/information-you-need/agreements/Membership%20Agreement%20and%20Disclosures_1789448641.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-insight", "institution": "Insight Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share accounts owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own an individual account; the POD/trust paragraph does not apply to an account held in the name of a trust", "quote": "An individual account is an account owned by one (1) member (individual, corporation, partnership, trust, or other organization) qualified for credit union membership.", "account_type": "Share accounts owned by a trust", "page": "1", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/Membership_and_Account_Agreement_062017.pdf", "form_number": "D10018", "revision_date": "", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-international-bank-of-commerce", "institution": "International Bank of Commerce", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (entity depositor)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust is treated as an entity depositor under the business and nonpersonal accounts clause", "quote": "If Depositor is an entity, including corporation, professional corporation, limited liability company and/or partnership, unincorporated association, trust, partnership", "account_type": "Deposit account owned by a trust (entity depositor)", "page": "8", "source_url": "https://assets.milestoneinternet.com/ibc-bank/pdf/deposit-account-agreement.pdf?_gl=1*zj338g*_ga*MTI0OTA1OTIxOS4xNzE5ODY5ODU0*_ga_Y7YES7L3ZL*MTcyMDUzMzY4My44LjEuMTcyMDUzNTk2NC41OS4wLjA.", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "trustee_change": { "value": "yes", "detail": "a change of signing authority binds the bank only after written notice signed by the trustee(s), delivered to the International Bancshares Corporation president in Laredo", "quote": "Bank shall not be affected or bound by any revocation, alteration or change of any authority until written notice of such revocation, signed by the President, Managing Partner, Trustee(s), Managing", "account_type": "Deposit account owned by a trust (entity depositor)", "page": "9", "source_url": "https://assets.milestoneinternet.com/ibc-bank/pdf/deposit-account-agreement.pdf?_gl=1*zj338g*_ga*MTI0OTA1OTIxOS4xNzE5ODY5ODU0*_ga_Y7YES7L3ZL*MTcyMDUzMzY4My44LjEuMTcyMDUzNTk2NC41OS4wLjA.", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-ithink-financial", "institution": "iTHINK Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are contemplated; the credit union may refuse instructions or require indemnity or a bond", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.ithinkfi.org/docs/default-source/default-document-library/disclosures/membership-disclosure.pdf", "form_number": "DXPP02-E", "revision_date": "2024-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-jax-fire", "institution": "JAX Fire Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable and irrevocable family trust accounts" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable family trusts; all trustees must be eligible for membership and keep it for the life of the account; open in person or by phone contact", "quote": "We're now opening Trust Accounts, including both Revocable and Irrevocable Family Trusts", "account_type": "Revocable and irrevocable family trust accounts", "page": "web page", "source_url": "https://jaxfirecu.org/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "pages_required": { "value": "yes", "detail": "documents showing the trust name, current trustees and successor trustees", "quote": "Trust documentation showing the Trust name, current Trustees, and Successor Trustees", "account_type": "Revocable and irrevocable family trust accounts", "page": "web page", "source_url": "https://jaxfirecu.org/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "tax_id": { "value": "yes", "detail": "the trust's own TIN; a trustee's SSN is not accepted", "quote": "Trust's unique Tax Identification Number (TIN) ... (Trust accounts cannot be opened using a Trustee's Social Security Number)", "account_type": "Revocable and irrevocable family trust accounts", "page": "web page", "source_url": "https://jaxfirecu.org/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-jm-associates", "institution": "JM Associates Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Accounts held on behalf of or in the name of a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "the agreement refers to accounts held in the name of a trust but states no opening or documentation rules", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust.", "account_type": "Accounts held on behalf of or in the name of a trust", "page": "2", "source_url": "https://www.jmafcu.org/s/2026-Membership-Agreement-Booklet-Combined.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-jpmorgan-chase-bank", "institution": "JPMorgan Chase Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Chase deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts opened with the Chase Certification of Trust", "quote": "For trust accounts, in place of any page(s) of (a) the original trust agreement, (b) any amendment to the original trust agreement, and (c) any restatement of the original trust agreement, you acknowledge and agree that we may rely solely on the Chase Certification of Trust", "account_type": "Chase deposit account owned by a trust", "page": "7", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-06-14", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Chase's own certification replaces trust pages", "quote": "you acknowledge and agree that we may rely solely on the Chase Certification of Trust (Certification) provided by the trustee(s).", "account_type": "Chase deposit account owned by a trust", "page": "7", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-06-14", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "certification in place of the agreement, amendments and restatements", "quote": "in place of any page(s) of (a) the original trust agreement, (b) any amendment to the original trust agreement, and (c) any restatement of the original trust agreement", "account_type": "Chase deposit account owned by a trust", "page": "7", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-06-14", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "two IDs per trustee (Chase trust-account page)", "quote": "Two forms of government ID for the trustee(s)", "account_type": "Chase deposit account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-keybank", "institution": "KeyBank National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "KeyBank account opened by the trustee of a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts", "quote": "Trust Accounts and custody Accounts are fiduciary Accounts in which funds are held by a trustee or custodian for the benefit of another person.", "account_type": "KeyBank account opened by the trustee of a written trust", "page": "web page", "source_url": "https://online1.keybank.com/dcm/GetEdasDisclosure?bn=0101&pa=DEPS&pg=DDA&sp=KAMK&pd=000000101&output=html_complete&action=special&name=FA-KBNA", "form_number": "Deposit Account Agreement and Funds Availability Policy (eDAS disclosure FA-KBNA)", "revision_date": "2026-09-18", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "copy of the trust agreement must be shown", "quote": "If you are a trustee under a written trust agreement, you must show us a copy of the trust agreement specifying the beneficiary, the trustee, the trust property, and verifying the trustee's authority to open the Account.", "account_type": "KeyBank account opened by the trustee of a written trust", "page": "web page", "source_url": "https://online1.keybank.com/dcm/GetEdasDisclosure?bn=0101&pa=DEPS&pg=DDA&sp=KAMK&pd=000000101&output=html_complete&action=special&name=FA-KBNA", "form_number": "Deposit Account Agreement and Funds Availability Policy (eDAS disclosure FA-KBNA)", "revision_date": "2026-09-18", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-keys", "institution": "Keys Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust account arrangements may be requested; the credit union may refuse instructions or require indemnity or a bond; no trust account terms stated", "quote": "You may request that we facilitate certain business, trust, will, or court- ... ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "10", "source_url": "https://www.keysfcu.org/s/Keys-FCU-Membership-Terms-Conditions-Account-Agreement-9-21.pdf", "form_number": "", "revision_date": "2020-02", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-launch", "institution": "Launch Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Living trust deposit account" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable living trust accounts on a Living Trust Account Card plus the addendum; settlor or trustee must be eligible for membership", "quote": "The Settlor and/or Trustee have requested that Launch Credit Union ... establish one or more accounts for the above-named Trust", "account_type": "Living trust deposit account", "page": "2", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "a certification of trust is asked for when a successor trustee takes over; at opening the settlor/trustee initial representations on the addendum instead", "quote": "presentation of a current Certification of Trust signed by the Successor Trustee", "account_type": "Living trust deposit account", "page": "2", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "reported under the SSN given on the Living Trust Account Card", "quote": "All earned income on the Account will be reported under the TIN (Social Security Number) indicated in the TIN Certification and Backup Withholding Information box", "account_type": "Living trust deposit account", "page": "3", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "notice, certification of trust, and at CU discretion an affidavit plus death certificate, physician's incapacity certificate or notarized resignation; all co-trustees must be gone; successor signs the addendum and account cards", "quote": "presentation of a current Certification of Trust signed by the Successor Trustee. Prior to allowing the Successor Trustee to transact the Account, the Credit Union may, in its sole discretion, require presentation of the Successor Trustee's affidavit attesting to the death, incapacity or resignation of the Trustee", "account_type": "Living trust deposit account", "page": "2", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "CU may pay the successor trustee, the trust, the beneficiaries named in the addendum (surviving ones equally) or deposit with the Brevard County clerk", "quote": "Upon the revocation or termination of the trust or death of the Settlor ... the Credit Union may, at is option and without liability, distribute the balance of the account to the successor trustee, or to the name of the trust at the last known address of the trust, or to the beneficiaries named in this Addendum", "account_type": "Living trust deposit account", "page": "3", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written amendment signed by the settlor", "quote": "The Settlor shall have the power, at any time upon reasonable notice to the Credit Union, to terminate the authority of the Trustee, to replace the Trustee ... No change shall be effective until a written amendment to this Agreement is signed by the Settlor and provided to the Credit Union", "account_type": "Living trust deposit account", "page": "2", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Living-Trust-Addendum.pdf", "form_number": "LTA092524", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-mccoy", "institution": "McCoy Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee-held fiduciary accounts; the credit union does not monitor the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust", "page": "6", "source_url": "https://www.mccoyfcu.org/uploads/pdf/AccountDisclosure-EN-Dec18.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-mechanics-bank", "institution": "Mechanics Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Mechanics trust and other fiduciary account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "Legal title to the account is owned by the signing party(ies) as trustee, custodian, guardian, executor, administrator, conservator, or other fiduciary for the named beneficiary(ies) under a separate trust agreement", "account_type": "Mechanics trust and other fiduciary account", "page": "3", "source_url": "https://prdcms.mechanicsbank.com/contentassets/9e0348bebd2b44b2a8fa059267bcab78/1200-personal-account-agreement-disclosure-mkt10000-v3-final-mkt-copy.pdf", "form_number": "MKT10000 v3", "revision_date": "2026-03-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification of trust", "quote": "You may be asked to provide a copy of relevant pages of the trust agreement and execute a trustee's certification of trust or other documents.", "account_type": "Mechanics trust and other fiduciary account", "page": "3", "source_url": "https://prdcms.mechanicsbank.com/contentassets/9e0348bebd2b44b2a8fa059267bcab78/1200-personal-account-agreement-disclosure-mkt10000-v3-final-mkt-copy.pdf", "form_number": "MKT10000 v3", "revision_date": "2026-03-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "relevant pages only", "quote": "You may be asked to provide a copy of relevant pages of the trust agreement", "account_type": "Mechanics trust and other fiduciary account", "page": "3", "source_url": "https://prdcms.mechanicsbank.com/contentassets/9e0348bebd2b44b2a8fa059267bcab78/1200-personal-account-agreement-disclosure-mkt10000-v3-final-mkt-copy.pdf", "form_number": "MKT10000 v3", "revision_date": "2026-03-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "relevant pages or a certification", "quote": "select pages of trust agreements (or certifications of trust)", "account_type": "Mechanics trust and other fiduciary account", "page": "8", "source_url": "https://prdcms.mechanicsbank.com/contentassets/9e0348bebd2b44b2a8fa059267bcab78/1200-personal-account-agreement-disclosure-mkt10000-v3-final-mkt-copy.pdf", "form_number": "MKT10000 v3", "revision_date": "2026-03-23", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-members-first-of-flori", "institution": "Members First Credit Union of Florida", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own an individual account; the POD paragraph \"does not apply to an account held on behalf of or in the name of a trust\"", "quote": "An individual account is an account owned by one (1) member (individual, corporation, partnership, trust, or other organization) qualified for credit union membership.", "account_type": "Share account owned by a trust", "page": "1", "source_url": "https://www.membersfirstfl.org/files/mfcufl/1/file/Membership_and_Account_Agreement.pdf", "form_number": "D09DE1", "revision_date": "", "wayback_capture": "2021-08-27", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-metropolitan-commercial-bank", "institution": "Metropolitan Commercial Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (fiduciary account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees under a written trust agreement may open a fiduciary account; the bank is not a trustee and does not monitor the trust terms", "quote": "A fiduciary account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "9", "source_url": "https://mcbankny.com/wp-content/uploads/2025/09/Consumer-Deposit-Agreement_9.22.25.pdf", "form_number": "MNB505", "revision_date": "", "wayback_capture": "2026-01-04", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-miami-firefighters", "institution": "Miami Firefighters Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own an individual account; the POD/trust designation paragraph does not apply to an account held in the name of a trust", "quote": "An individual account is an account owned by one (1) member (individual, corporation, partnership, trust or other organization) qualified for credit union membership.", "account_type": "Share account owned by a trust", "page": "1", "source_url": "https://www.mffcu.org/files/mffcu/1/file/MEMBERSHIP-AGREEMENT.pdf", "form_number": "D10015", "revision_date": "2007-03", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-miami-postal-service", "institution": "Miami Postal Service Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": {} }, { "inst_id": "bank-midfirst-bank", "institution": "MidFirst Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "MidFirst fiduciary account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts on submitted documents", "quote": "Business, fiduciary, and association Accounts are held under the terms of documents submitted to us by the person(s) opening the Account", "account_type": "MidFirst fiduciary account", "page": "1", "source_url": "https://www.uco.edu/fin-ops/files/card/uco-midfirst-agreement.pdf", "form_number": "Account Agreement and Disclosure", "revision_date": "2023-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-midflorida", "institution": "MidFlorida Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary account opened by the trustee(s); the credit union does not monitor the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.midflorida.com/MidFlorida/media/Documents/Account/2023-Terms-and-Conditions.pdf", "form_number": "EFLAIB31", "revision_date": "2019-08-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-morgan-stanley-private-bank", "institution": "Morgan Stanley Private Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable, irrevocable and testamentary trusts", "quote": "BANK ACCOUNT APPLICATION FOR ESTATES AND TRUSTS", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "the bank's own trustee certification form, together with trust excerpts", "quote": "TRUSTEE CERTIFICATION OF TRUSTEE POWER ... certify to Morgan Stanley Private Bank that the following is true, under the penalty of perjury.", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "10", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "at opening first and signature pages only; the full trust agreement on written request", "quote": "acknowledge Morgan Stanley Private Bank's right but not an obligation, to examine the Trust Agreement and hereby agree to provide you with a copy of the Trust Agreement if so requested in writing.", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "10", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "first and signature pages; testamentary trusts need will pages, death certificate and proof of court filing", "quote": "First pages of Trust Agreement (noting the name of the Trust, Trustee(s) name(s) and the Grantor(s) name(s)) AND Signature pages of Trust Agreement ... Pages of the will where trust is established and trustees are named, AND first and signature pages)", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign the certification; bank policy may require all co-trustees' written approval even if the trust lets one act alone", "quote": "The Trust Certification is being signed by all of the currently acting trustees of the Trust. ... ALL TRUSTEES MUST SIGN", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "10", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "ID number, SSN and date of birth for each trustee", "quote": "Driver's License, State-Issued ID, or Military ID Number", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "4", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN (grantor signs if not a trustee) or trust TIN", "quote": "Trust reporting under the grantor's SSN (Trustee is NOT the grantor)", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "certified death certificate for a deceased grantor", "quote": "Please indicate whether grantor is living or deceased (Certified Death Certificate is required)", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "prompt written notice of a trustee change or amendment", "quote": "We agree to promptly inform you, in writing, of any amendment to the Trust, any change in the composition of the Trustees or any other event which could alter the certifications made above.", "account_type": "Morgan Stanley Private Bank (E*TRADE) deposit account owned by a trust", "page": "10", "source_url": "https://content.etrade.com/etrade/mssb/pdf/ETB_trustaccountapplication.pdf", "form_number": "3429", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-navy-federal", "institution": "Navy Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "open new or retitle existing accounts; all grantors or all trust beneficiaries must generally be members", "quote": "This application is used to reassign or establish accounts in the name of a Legal Trust.", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "6", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/1215e.pdf", "form_number": "678A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "only listed trust pages; the disclosure also refers to the Declaration of Trust accompanying the application", "quote": "a copy of the Legal Trust pages that: (1) name the Legal Trust, (2) provide the signatures that established the Trust, and (3) provide the", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "6", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/1215e.pdf", "form_number": "678A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages naming the trust, the signature pages, and the trustee designations", "quote": "a copy of the Legal Trust pages that: (1) name the Legal Trust, (2) provide the signatures that established the Trust, and (3) provide the", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "6", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/1215e.pdf", "form_number": "678A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee and each co-trustee sign; any trustee may withdraw", "quote": "Signature of Trustee (required) ... Signature of Co-Trustee (if applicable) ... or in part by any Trustee/Co-Trustee", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "8", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/1215e.pdf", "form_number": "678A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "government ID for trustee and co-trustee", "quote": "Driver's License or Government ID No./State", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "6", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/1215e.pdf", "form_number": "678A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN or trust EIN while living; EIN required once a grantor whose SSN is used dies", "quote": "This application requires a Social Security number (SSN/ITIN) or an Employer Identification Number ... The tax ID on the trust must be an EIN, as we are not able to use a decedent's SSN.", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/678d.pdf", "form_number": "678D", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "new 678AS application, trust EIN, confirm beneficiaries' membership; a non-member successor closing the account gives photo ID and trust pages naming the trust, listing successor trustees and signatures", "quote": "the successor trustee will need to: ... Provide an updated NFCU 678AS ... Provide an Employer Identification Number (EIN) ... If the successor trustee is not a current Navy Federal member, the letter must be accompanied by a copy of an acceptable", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/678d.pdf", "form_number": "678D", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "surviving co-grantor updates the tax ID if the decedent's SSN was used; successor trustee files 678AS with an EIN; if trust beneficiaries are not members the trust account must be closed", "quote": "Upon the death of a grantor/original trustee, the co-grantor/co-trustee will need to verify what tax ID (SSN/EIN/TIN) was used at ... If the beneficiary(ies) is/are not eligible or decline to obtain membership with Navy Federal, you will need to dissolve the", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/678d.pdf", "form_number": "678D", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new 678AS plus supporting documents for added co-trustees; owners must notify Navy Federal of trust changes", "quote": "If new co-trustees are to be added at this time, a new NFCU 678AS must be completed and supporting documentation to show", "account_type": "Deposit Trust Account (trust-owned savings, checking, MMSA, certificates)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/678d.pdf", "form_number": "678D", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-old-national-bank", "institution": "Old National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Old National trustee and other fiduciary accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts under a written trust", "quote": "These Accounts are held by one or more people who have been entrusted with the funds and are authorized to act for the benefit of another person, sometimes called the beneficiary, pursuant to a written trust agreement, court order or other authority.", "account_type": "Old National trustee and other fiduciary accounts", "page": "10", "source_url": "https://www.oldnational.com/globalassets/onb-site/onb-documents/onb-disclosures/deposit-account-agreement-disclosure.pdf", "form_number": "Deposit Account Agreement & Disclosure", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-onpoint", "institution": "OnPoint Community Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "OnPoint account for a formal trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts offered; trustor must be eligible for membership", "quote": "An account for a formal trust is held by one or more trustees of a trust for the benefit of one or more beneficiaries under a written trust agreement.", "account_type": "OnPoint account for a formal trust", "page": "6", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification of trust named among the evidence OnPoint may request", "quote": "The trustee must sign an application and provide any other evidence of the trustee's authority that we request, including without limitation, a certification of trust.", "account_type": "OnPoint account for a formal trust", "page": "6", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee signs the application; any one trustee may act alone", "quote": "The trustee must sign an application ... We may release funds to any one trustee acting alone or with a co-trustee.", "account_type": "OnPoint account for a formal trust", "page": "6", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "proper evidence of authority required before payment; type of evidence not specified", "quote": "We may withhold payment of funds to any party until proper evidence of authority is provided. ... This Agreement is binding on the trust, any trustee, successor trustee, and beneficiaries.", "account_type": "OnPoint account for a formal trust", "page": "6", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice of a change of trustee", "quote": "The trustee agrees to notify us in writing if a change of trustee occurs.", "account_type": "OnPoint account for a formal trust", "page": "6", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-penair", "institution": "PenAir Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": {} }, { "inst_id": "cu-penfed", "institution": "Pentagon Federal Credit Union (PenFed)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable living trust (RLT) deposit accounts", "Irrevocable trust (IRT) deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "secondary share, checking, money market savings, Premium Online Savings and certificates can be opened or retitled in the RLT; the primary share account, loans and IRAs cannot", "quote": "Thank you for your interest in establishing an account in the name of your revocable living trust with Pentagon Federal Credit Union (PenFed). ... You cannot re-title your primary share account, loans or Individual Retirement Accounts (IRAs).", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "PenFed's own Declaration of Trust (Form 74) signed by the grantor (or a trustee if the grantor is deceased); an RLT with its own TIN also sends the trust agreement or a certificate of trust (trust name, grantors, trustees, trustee signatures witnessed and notarized)", "quote": "I certify the above information is consistent with the terms and conditions of the above named trust dated ... Trust agreement or Trust Certificate. If choosing the Certificate of Trust, it must include the following:", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "4", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "no copy for an RLT under the grantor's SSN (2016 instructions); an RLT with its own TIN may send a certificate of trust instead of the agreement", "quote": "A copy of your trust is not required. ... Additional documents required if your RLT has its own Tax Identification Number: ... Trust agreement or Trust Certificate.", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "web page", "source_url": "https://www.penfed.org/forms", "form_number": "", "revision_date": "", "wayback_capture": "2026-09-11", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all primary trustees sign Form 77; grantors and trustees sign the application; any one trustee may withdraw", "quote": "All primary trustees listed on form 74 must sign the bottom of this form. ... Sums deposited and accumulations to the account shall be held and subject to the withdrawal or receipt of a trustee.", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "grantors and trustees must be members; Declaration lists name, date of birth, SSN and address of each", "quote": "requires all grantors and trustees to become PenFed members before establishing accounts titled under a trust ... Please provide the identity of the Grantor(s), Trustee(s), Successor Trustee(s), and Beneficiaries on this form as indicated in the Trust.", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "web page", "source_url": "https://www.penfed.org/forms", "form_number": "", "revision_date": "", "wayback_capture": "2026-09-11", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN required on Form 77; an RLT under the grantor's SSN gets a secondary account under the grantor's membership; an RLT with its own TIN gets its own membership and sends the IRS TIN letter", "quote": "The Tax Identification Number (TIN) for the Trust is ... If your RLT is under your Social Security number, PenFed will establish a secondary account in the name of your Trust. ... IRS Assignment of TIN Verification Letter", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "web page", "source_url": "https://www.penfed.org/forms", "form_number": "", "revision_date": "", "wayback_capture": "2026-09-11", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate for a deceased grantor or trustee", "quote": "If a Grantor or Trustee is deceased and the Certificate of Trust does not list a deceased date, obtain a death certificate for the deceased individual.", "account_type": "Irrevocable trust (IRT) deposit accounts", "page": "web page", "source_url": "https://www.penfed.org/forms", "form_number": "", "revision_date": "", "wayback_capture": "2026-09-11", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "paid out on the trustee's or successor trustee's instructions; a trustee signs the Declaration if the grantor is deceased", "quote": "Upon the death of the grantor, or, if more than one grantor, upon the death of the last surviving grantor, the balance remaining in the account(s) shall be distributed by PenFed pursuant to the instructions of the trustee(s) or successor trustee(s). These accounts will not be maintained more than four (4) years after the death of the last surviving trustee.", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "2", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "revised Declaration of Trust; effective only once PenFed acknowledges receipt", "quote": "The trustee(s) agree to immediately inform PenFed of changes to the Revocable Trust Agreement and will deliver a revised Declaration of Trust to PenFed. Changes will not be effective to the account(s) until the revised Declaration of Trust has been received by PenFed", "account_type": "Revocable living trust (RLT) deposit accounts", "page": "2", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-pibank", "institution": "Pibank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "no", "detail": "only individual or joint ownership by natural persons (18 or older with an SSN); no trust ownership offered", "quote": "you may choose to own the Account either (a) individually or (b) joint in the entirety with rights of survivorship ... Accounts are not available for U.S. non-resident aliens, businesses or for business use.", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://www.pibank.com/wp-content/uploads/2025/10/Deposit-Agreement-March-2025.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-plainscapital-bank", "institution": "PlainsCapital Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Trust account established under a written trust agreement" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees own the account; the bank acts only as custodian and does not inquire into trustee powers; a time deposit may be retitled into a living trust without early withdrawal penalty", "quote": "A trust account established under a written trust agreement is one established by one or more account owners acting as trustee for the benefit of one or more beneficiaries pursuant to ... a written trust agreement. The parties named as trustees own the account", "account_type": "Trust account established under a written trust agreement", "page": "20", "source_url": "https://www.plainscapital.com/media/70987/personal-deposit-account-agreement-02-14.pdf", "form_number": "", "revision_date": "2014-02-14", "wayback_capture": "2015-03-25", "retrieved": "2026-09-26" }, "grantor_death": { "value": "yes", "detail": "on the last surviving trustee's death (usually the grantor as trustee) ownership passes to the beneficiary unless the trust agreement says otherwise", "quote": "On the death of the last surviving trustee, or as otherwise specified in the written trust agreement, the ownership of the account passes to the beneficiary.", "account_type": "Trust account established under a written trust agreement", "page": "21", "source_url": "https://www.plainscapital.com/media/70987/personal-deposit-account-agreement-02-14.pdf", "form_number": "", "revision_date": "2014-02-14", "wayback_capture": "2015-03-25", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-pnc-bank", "institution": "PNC Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "PNC deposit account held by a trustee (fiduciary account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee designated on bank records", "quote": "Any individual acting as an attorney-in-fact, agent, guardian, personal representative, trustee, custodian or some other fiduciary capacity (collectively, an \"agent\") must be designated by us as such on our records.", "account_type": "PNC deposit account held by a trustee (fiduciary account)", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice ends a trustee's authority", "quote": "The Bank is authorized to follow the directions of your agent regarding your Account until it receives written notice that the agency or fiduciary relationship has been terminated and has had reasonable time to act upon that notice.", "account_type": "PNC deposit account held by a trustee (fiduciary account)", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-provident-bank", "institution": "Provident Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Provident trust/fiduciary account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts (informal unless written notice of a trust is given)", "quote": "Deposits may be made by one or two persons in trust for another (the \"beneficiary\"). Any action in connection with the Account, including withdrawals, may be made only by the trustee", "account_type": "Provident trust/fiduciary account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "only the trustee(s) act (in trust for accounts)", "quote": "Any action in connection with the Account, including withdrawals, may be made only by the trustee, or if there is more than one trustee, by all trustees, any trustee, or the survivor/surviving trustee(s).", "account_type": "Provident trust/fiduciary account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "paid to the beneficiary when all trustees die, absent notice of a written trust", "quote": "upon the death of the trustee, or if there are two trustees, upon the death of both trustees, the funds on deposit will be paid upon request to the beneficiary, or to his or her legal representative.", "account_type": "Provident trust/fiduciary account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-publix-employees", "institution": "Publix Employees Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Fiduciary (trustee) share accounts" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee opens a fiduciary account; the credit union does not act as trustee or monitor the trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Fiduciary (trustee) share accounts", "page": "8", "source_url": "https://www.pefcu.com/assets/images/PEFCU_Disclosure.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-radiant", "institution": "Radiant Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are acknowledged; the CU may refuse instructions or require indemnity or a bond", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.radiantcu.org/hubfs/Helpful%20Documents/Consumer%20Membership%20Agreement%20and%20Disclosures.pdf", "form_number": "DXPS02-E", "revision_date": "2020-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-radifi", "institution": "Radifi Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustees must be within the field of membership or family of a member", "quote": "To open an account titled in the name of a trust, you will need to complete a Trust Account Agreement", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.radificu.org/help/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "a certificate of trust is listed as required on one help answer and may be relied on under the agreement", "quote": "To open a trust account, you must provide the following: ... Certificate of Trust ... The Parties acknowledge that the Credit Union may rely upon the Certificate of Trust, if provided.", "account_type": "Deposit account owned by a trust", "page": "1", "source_url": "https://www.radificu.org/help/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "not at opening; a complete copy must be supplied on request", "quote": "The Parties acknowledge that Credit Union has not received a copy of the Trust Document; but the Parties agree to provide Credit Union with a complete copy of any Trust Document it requests", "account_type": "Deposit account owned by a trust", "page": "1", "source_url": "https://www.radificu.org/files/Radifi-Trust-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-06-06", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page, trustee page and successor trustee page", "quote": "provide a copy of the first page showing how the trust should be titled, a copy of the page designating the trustees, and the page naming the successors.", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.radificu.org/help/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "settlors, current trustees and successor trustees sign the agreement; any one trustee may act alone", "quote": "Settlor - Member ... Current Trustee ... Successor Trustee ... the Parties agree that each Trustee may act alone in transacting any business with Credit Union", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://www.radificu.org/files/Radifi-Trust-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-06-06", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN or an SSN", "quote": "Tax Identification Number for the Trust (or to be used for the membership) ... TIN or SSN for Trust", "account_type": "Deposit account owned by a trust", "page": "web page", "source_url": "https://www.radificu.org/help/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "at the credit union's discretion, from none to further documents, consents or interpleader; a successor named in the agreement may act on notice that all current trustees died, became incompetent or resigned", "quote": "In the event that anyone claims to be a successor Trustee, Credit Union has the discretion to do any of the following: accept such representation without documentation; require further documentation that such person is the Successor Trustee", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://www.radificu.org/files/Radifi-Trust-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-06-06", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "remaining trustee continues on notice from any trustee or beneficiary; if all trustees are gone before a successor is named the credit union may interplead", "quote": "In the event Credit Union receives notice of the death, incompetency, resignation or removal of a Current Trustee, the Parties authorize Credit Union to treat any remaining Current Trustee named in this Agreement in the same manner as the Current Trustee", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://www.radificu.org/files/Radifi-Trust-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-06-06", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-rbfcu", "institution": "Randolph-Brooks Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned share accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable or irrevocable trusts, at RBFCU's option and subject to membership requirements", "quote": "At our option, we may accept deposits in the name of a revocable or irrevocable trust", "account_type": "Trust-owned share accounts", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "listed for settling a deceased member's accounts (either document)", "quote": "Certificate of Trust or Trust Agreement", "account_type": "Trust-owned share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/how-to-settle-deceased-bank-accounts.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "any one trustee may withdraw", "quote": "we are authorized to release the funds in any such Account upon the signature of any Trustee", "account_type": "Trust-owned share accounts", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "settlement documents, death certificate, certificate of trust or trust agreement, amendments, IRS EIN letter for the trust", "quote": "Death Certificate ... Certificate of Trust or Trust Agreement ... Trust Amendments (only if applicable) ... EIN documentation for Trust (IRS letter assigning EIN)", "account_type": "Trust-owned share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/how-to-settle-deceased-bank-accounts.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-regions-bank", "institution": "Regions Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Regions formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "written trust agreement or will provided at opening", "quote": "A formal trust account is an account held by one or more trustees for the benefit of one or more beneficiaries according to a written trust agreement or a will provided to us at the time the account is opened.", "account_type": "Regions formal trust account", "page": "31", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certificates or affidavits, possibly signed by each beneficiary too", "quote": "we may require the trustee(s) and/or each beneficiary to execute certain certificates, affidavits, and/or instruments attesting to ... the terms of the trust ... We may accept such certificates, affidavits, and/or instruments in lieu of accepting and/ or reviewing a copy of the trust instrument", "account_type": "Regions formal trust account", "page": "31", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "legal documents satisfactory to the bank before funds are released", "quote": "If the trustee(s) die or are replaced, then we will not release any funds until we are satisfied that all required legal documents have been delivered to us", "account_type": "Regions formal trust account", "page": "31", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "as above", "quote": "If the trustee(s) die or are replaced, then we will not release any funds until we are satisfied that all required legal documents have been delivered to us", "account_type": "Regions formal trust account", "page": "31", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-rockland-trust-company", "institution": "Rockland Trust Company", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Rockland written trust agreement deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "discretionary", "quote": "From time to time, we may allow a Trustee of a formal written trust to open a trust account.", "account_type": "Rockland written trust agreement deposit account", "page": "10", "source_url": "https://www.rocklandtrust.com/assets/files/T7YMA5SW", "form_number": "Personal Account Disclosure Statements", "revision_date": "2026-07-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification of trust; every trust beneficiary must be a natural person", "quote": "To open such a deposit account, we may require a certification of trust, the name and address of the Beneficiary(ies) (all of whom must be natural persons), and any other information or documentation that we may request.", "account_type": "Rockland written trust agreement deposit account", "page": "10", "source_url": "https://www.rocklandtrust.com/assets/files/T7YMA5SW", "form_number": "Personal Account Disclosure Statements", "revision_date": "2026-07-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "a trustee or other fiduciary must be designated as such on the signature card", "quote": "must be so designated to the Bank on the signature card", "account_type": "Rockland written trust agreement deposit account", "page": "12", "source_url": "https://www.rocklandtrust.com/assets/files/T7YMA5SW", "form_number": "Personal Account Disclosure Statements", "revision_date": "2026-07-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "the bank follows the fiduciary until written notice of termination", "quote": "The Bank is authorized to follow the directions of your Fiduciary regarding your deposit account until it receives written notice that the Fiduciary appointment has been terminated and it has had a reasonable time to act upon the notice.", "account_type": "Rockland written trust agreement deposit account", "page": "12", "source_url": "https://www.rocklandtrust.com/assets/files/T7YMA5SW", "form_number": "Personal Account Disclosure Statements", "revision_date": "2026-07-21", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-sandt-bank", "institution": "S&T Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned deposit accounts", "quote": "Each trustee of any trust which opens and maintains a deposit account (\"Account\") with us hereby certifies that it has the power and authority", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://live-st-bank.pantheonsite.io/wp-content/uploads/2024/03/DAAD_Website.pdf", "form_number": "", "revision_date": "2025-12-31", "wayback_capture": "2026-02-28", "retrieved": "2026-09-26" }, "certification_accepted": { "value": "yes", "detail": "the bank relies on resolutions or a certificate from the trustees", "quote": "the resolutions or certificate provided to us are true, complete and accurate and consistent with the authority granted under such trust indenture", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://live-st-bank.pantheonsite.io/wp-content/uploads/2024/03/DAAD_Website.pdf", "form_number": "", "revision_date": "2025-12-31", "wayback_capture": "2026-02-28", "retrieved": "2026-09-26" }, "full_instrument_required": { "value": "no", "detail": "the bank may ask for the trust indenture but need not", "quote": "We may, but are not required to, request a copy of the trust indenture from you prior to establishing any Account", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://live-st-bank.pantheonsite.io/wp-content/uploads/2024/03/DAAD_Website.pdf", "form_number": "", "revision_date": "2025-12-31", "wayback_capture": "2026-02-28", "retrieved": "2026-09-26" }, "trustee_signatures": { "value": "no", "detail": "the bank may rely on a notice from one trustee; multiple-signature accounts are not offered", "quote": "any Notice from one trustee which is binding, or purports to be binding, upon the other trustees ... S&T Bank does not offer accounts on which two (2) or more signatures are required for a check or withdrawal.", "account_type": "Deposit account owned by a trust", "page": "2", "source_url": "https://live-st-bank.pantheonsite.io/wp-content/uploads/2024/03/DAAD_Website.pdf", "form_number": "", "revision_date": "2025-12-31", "wayback_capture": "2026-02-28", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-sallie-mae-bank", "institution": "Sallie Mae Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Sallie Mae account with a trustee as agent" ], "florida": false, "fields": {} }, { "inst_id": "cu-sdccu", "institution": "San Diego County Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "SDCCU trust (fiduciary) account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts offered under the fiduciary accounts section", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "SDCCU trust (fiduciary) account", "page": "5", "source_url": "https://www.sdccu.com/getmedia/34c5f760-34ed-4c8d-8afd-f741b1a48b34/account-disclosure", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-santa-rosa-county", "institution": "Santa Rosa County Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share accounts held in the name of a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned accounts are contemplated but their terms are not stated; the POD paragraph does not apply to them", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust.", "account_type": "Share accounts held in the name of a trust", "page": "web page", "source_url": "https://www.srcfcu.org/membership-and-account-agreement", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-santander-bank-n-a", "institution": "Santander Bank, N.A.", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Santander personal account opened by a living trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "only if the trust's beneficiaries are natural persons", "quote": "Living trusts, guardians, custodians, estates, and conservators may open personal Accounts as long as the beneficiaries are natural persons.", "account_type": "Santander personal account opened by a living trust", "page": "4", "source_url": "https://marketing.santanderbank.com/documents/330001/9686542/Personal+Deposit+Account+Agreement.pdf/0c8ab515-1538-8727-60d1-75c56d0da3b9", "form_number": "MK0034", "revision_date": "2021-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-schoolsfirst", "institution": "SchoolsFirst Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Trust-owned share and deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts offered", "quote": "All trust accounts will be governed by the terms and conditions of this Agreement.", "account_type": "Trust-owned share and deposit accounts", "page": "46", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification of trust", "quote": "the Credit Union may ask the trustee to provide a Certification of Trust", "account_type": "Trust-owned share and deposit accounts", "page": "46", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "the trust agreement is not read or kept", "quote": "the Credit Union will not read, interpret or retain copies of the Trust Agreement", "account_type": "Trust-owned share and deposit accounts", "page": "46", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustee must notify of changes affecting authority or membership status", "quote": "The trustee agrees to notify the Credit Union of any changes in the terms of the trust that would affect the trustee's authority to transact business on the trust account", "account_type": "Trust-owned share and deposit accounts", "page": "46", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-seacoast-national-bank", "institution": "Seacoast National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Seacoast fiduciary account under a written trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.", "account_type": "Seacoast fiduciary account under a written trust", "page": "9", "source_url": "https://www.seacoastbank.com/hubfs/Deposit%20Account%20Agreement_070125_FINAL.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-simmons-bank", "institution": "Simmons Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Simmons fiduciary account under a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.", "account_type": "Simmons fiduciary account under a written trust", "page": "web page", "source_url": "https://www.simmonsbank.com/terms-and-conditions/personal-terms-and-conditions", "form_number": "Personal Account Terms and Conditions", "revision_date": "not printed (web page)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-southstate-bank", "institution": "SouthState Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "SouthState account under a written trust agreement" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts on a notarized certification", "quote": "A trustee may establish a trust account based on the provisions of a signed and notarized trust certification.", "account_type": "SouthState account under a written trust agreement", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "signed and notarized trust certification", "quote": "A trustee may establish a trust account based on the provisions of a signed and notarized trust certification.", "account_type": "SouthState account under a written trust agreement", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice when a trustee's authority ends", "quote": "You agree we are authorized to follow the directions of the fiduciary regarding the account until (a) we receive written notice that the fiduciary's authority has been terminated in such a manner as is satisfactory to us", "account_type": "SouthState account under a written trust agreement", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-space-coast", "institution": "Space Coast Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are acknowledged; the CU may refuse instructions or require indemnity or a bond", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.sccu.com/getmedia/715b382f-09a6-469a-a34d-53e99a87fbb1/SCCU-Membership-and-Account-Agreement.pdf", "form_number": "DXPS02-E", "revision_date": "2020-03", "wayback_capture": "2025-10-25", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-secu-nc", "institution": "State Employees' Credit Union (North Carolina)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable and irrevocable trust deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable trusts", "quote": "SECU may open accounts titled in the name of a revocable living trust or an irrevocable trust.", "account_type": "Revocable and irrevocable trust deposit accounts", "page": "14", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification of trust or excerpts may be required", "quote": "we reserve the right to require a copy of a certification of trust or excerpts of the trust agreement.", "account_type": "Revocable and irrevocable trust deposit accounts", "page": "15", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "only a certification or excerpts", "quote": "we reserve the right to require a copy of a certification of trust or excerpts of the trust agreement.", "account_type": "Revocable and irrevocable trust deposit accounts", "page": "15", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-synchrony-bank", "institution": "Synchrony Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Synchrony trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned accounts", "quote": "A trust account is owned by a trust and managed by the trustee(s) of the trust.", "account_type": "Synchrony trust account", "page": "3", "source_url": "https://www.synchrony.com/document/account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement and Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trustee certification required", "quote": "We require that trustees provide us with a trustee certification and any other documentation we may require from time to time in a form satisfactory to us.", "account_type": "Synchrony trust account", "page": "3", "source_url": "https://www.synchrony.com/document/account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement and Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "no", "detail": "each trustee may act alone", "quote": "make any other request relating to the ... account without the consent of any other trustee", "account_type": "Synchrony trust account", "page": "3", "source_url": "https://www.synchrony.com/document/account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement and Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "every trustee and beneficiary must be a natural person", "quote": "All of the trust's trustees and beneficiaries must be natural persons.", "account_type": "Synchrony trust account", "page": "3", "source_url": "https://www.synchrony.com/document/account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement and Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-tampa-bay", "institution": "Tampa Bay Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "case by case; the CU does not administer trust accounts; a trust qualified for membership may be a single owner", "quote": "The Credit Union shall not administer trust accounts. The Credit Union will allow accounts to be owned by trusts on a case - by- case basis. ... A single owner Account is an Account owned by one member including any individual, corporation, partnership, trust or other organization qualified for Credit Union membership.", "account_type": "Deposit account owned by a trust", "page": "5", "source_url": "https://www.tampabayfederal.com/files/tampabayfcu/1/file/Disclosures/Universal_Acount_Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-td-bank", "institution": "TD Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "TD Bank account opened by the trustee of a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "written trust accounts", "quote": "If you have opened the Account as trustee of a written trust or as trustee pursuant to court order, only the trustee will be allowed to withdraw funds or otherwise transact business on the Account as designated by the trust instrument or court order.", "account_type": "TD Bank account opened by the trustee of a written trust", "page": "11", "source_url": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf", "form_number": "Personal Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "bank may request a certified copy of the trust instrument", "quote": "We can request a certified copy of any trust instrument or court order", "account_type": "TD Bank account opened by the trustee of a written trust", "page": "11", "source_url": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf", "form_number": "Personal Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "a personal trust account may be set up under an SSN or a TIN (Signature Savings eligibility table)", "quote": "Trust set up with a Social Security Number or Tax Identification Number, or be a Trustee of such a Trust Account", "account_type": "TD Bank account opened by the trustee of a written trust", "page": "18", "source_url": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf", "form_number": "Personal Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-huntington-national-bank", "institution": "The Huntington National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Huntington formal trust deposit account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts under a written trust agreement", "quote": "A formal trust Account is an Account held by one or more trustees for the benefit", "account_type": "Huntington formal trust deposit account", "page": "11", "source_url": "https://www.huntington.com/-/media/pdf/RETDisclosure.pdf", "form_number": "", "revision_date": "2017-02-18", "wayback_capture": "2024-02-15", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "a certification of trust at the bank's discretion", "quote": "required to provide a copy of the trust Agreement or other document (such as ... a certification of trust) so that we can ensure appropriate authority of trustees. ... or certification that applicable law permits us to rely on as a summary or description", "account_type": "Huntington formal trust deposit account", "page": "11", "source_url": "https://www.huntington.com/-/media/pdf/RETDisclosure.pdf", "form_number": "", "revision_date": "2017-02-18", "wayback_capture": "2024-02-15", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "complete copy on request, or a certification at the bank's discretion", "quote": "account. Upon our request, the trustee(s) must provide us with a complete copy of ... any trust agreement affecting your account, or, at our discretion, such other document", "account_type": "Huntington formal trust deposit account", "page": "33", "source_url": "https://www.huntington.com/-/media/pdf/RETDisclosure.pdf", "form_number": "", "revision_date": "2017-02-18", "wayback_capture": "2024-02-15", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-third-federal-savings-and-loan-association-of-cleveland", "institution": "Third Federal Savings and Loan Association of Cleveland", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust account held by the trustees under a written trust agreement", "quote": "A formal trust account is an account held by one or more trustees for the benefit of one or more beneficiaries pursuant to a written trust agreement.", "account_type": "Formal trust account", "page": "web page", "source_url": "https://www.thirdfederal.com/disclosures", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-04", "retrieved": "2026-09-26" }, "certification_accepted": { "value": "yes", "detail": "a certification the law lets the bank rely on is an alternative, on request", "quote": "Upon our request, the trustee(s) must supply a complete copy of the trust agreement to us, and any amendment(s) or such other document or certification that applicable law permits us to rely on as a summary or description of the trust establishing the account.", "account_type": "Formal trust account", "page": "web page", "source_url": "https://www.thirdfederal.com/disclosures", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-04", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-trax", "institution": "TRAX Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts in the name of a trust are acknowledged; the CU may refuse instructions or require indemnity or a bond", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "1", "source_url": "https://www.traxcu.com/_/kcms-doc/2061/65694/Account-Terms-Conditions.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-tri-counties-bank", "institution": "Tri Counties Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Trust and other fiduciary deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee holds legal title; signers certify they are authorized to manage the funds", "quote": "Legal title to the account is owned by the signing party(ies) as trustee, custodian, guardian, executor, administrator, conservator, or other fiduciary for the named beneficiary(ies) under a separate trust agreement", "account_type": "Trust and other fiduciary deposit accounts", "page": "5", "source_url": "https://www.tcbk.com/download_file/view/418e8fcc-2859-41ba-93a6-2734ccfe4bb5", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" }, "certification_accepted": { "value": "yes", "detail": "a trustee's certification of trust may be requested", "quote": "You may be asked to provide a copy of relevant pages of the trust agreement, execute a trustee's certification of trust, or other documents.", "account_type": "Trust and other fiduciary deposit accounts", "page": "5", "source_url": "https://www.tcbk.com/download_file/view/418e8fcc-2859-41ba-93a6-2734ccfe4bb5", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" }, "full_instrument_required": { "value": "no", "detail": "relevant pages, not the whole agreement, are mentioned", "quote": "You may be asked to provide a copy of relevant pages of the trust agreement", "account_type": "Trust and other fiduciary deposit accounts", "page": "5", "source_url": "https://www.tcbk.com/download_file/view/418e8fcc-2859-41ba-93a6-2734ccfe4bb5", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-tropical-financial", "institution": "Tropical Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (Trust - Separate Agreement)" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts are opened under a separate agreement; the CU may refuse any trust and will not serve as trustee", "quote": "By opening the account, you agree to notify the Credit Union each time the trustee(s) of the trust are changed ... Tropical Financial Credit Union, in its sole discretion, may refuse any trust for membership or open new accounts in the name of the trust.", "account_type": "Deposit account owned by a trust (Trust - Separate Agreement)", "page": "7", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice to the CU of each change of trustee", "quote": "you agree to hold the Credit Union harmless from any liability for withdrawals by the former trustee(s) unless you notify the Credit Union in writing of the change in the trustee(s) of the trust", "account_type": "Deposit account owned by a trust (Trust - Separate Agreement)", "page": "7", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-tru-fi", "institution": "Tru-Fi Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "accounts held in the name of a trust are recognized and excluded from the POD rules; the credit union may refuse instructions or require indemnity or a bond", "quote": "This paragraph does not apply to an account held on behalf of or in the name of a trust. ... You may request that we facilitate certain trust, will, or court-ordered account arrangements.", "account_type": "Deposit account owned by a trust", "page": "4", "source_url": "https://www.truficu.org/assets/files/wByld359", "form_number": "DXPS02-E", "revision_date": "2021-04", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-truist-bank", "institution": "Truist Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Truist written trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "written trust accounts", "quote": "A written trust account is an account opened under a valid, written agreement or will which creates a trust that performs transactions through its trustee or co-trustees.", "account_type": "Truist written trust account", "page": "13", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice ends a fiduciary's authority", "quote": "The Bank is authorized to follow the directions of the fiduciary regarding the account until it receives written", "account_type": "Truist written trust account", "page": "13", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-u-s-bank", "institution": "U.S. Bank National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "U.S. Bank deposit account held by a trustee" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary (trustee) accounts", "quote": "A fiduciary account is an account opened by or taken over by an executor, administrator, personal representative, guardian, conservator, trustee, or other fiduciary in such capacity.", "account_type": "U.S. Bank deposit account held by a trustee", "page": "14", "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf", "form_number": "Your Deposit Account Agreement", "revision_date": "2026-11-16", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-united-bank", "institution": "United Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "United Bank fiduciary account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts", "quote": "Accounts may be opened by a person acting in a fiduciary capacity, such as a trustee, executor, administrator, conservator, or other authorized representative.", "account_type": "United Bank fiduciary account", "page": "3", "source_url": "https://www.bankwithunited.com/content/dam/unitedbank/documents/online-account-opening/United-Bank-Consumer-Deposit-Account-Terms-and-Conditions_Effective-Sept2026.pdf", "form_number": "Consumer Deposit Account Terms and Conditions", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-united-community-bank", "institution": "United Community Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "United Community Bank fiduciary account under a written trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee accounts (Georgia and Florida terms)", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders.", "account_type": "United Community Bank fiduciary account under a written trust", "page": "10", "source_url": "https://www.ucbi.com/getmedia/e577097c-1009-47ca-a530-88a107d254f9/FNBSM_Terms_and_Conditions.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-01-21", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-united-southern-bank", "institution": "United Southern Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary account opened by the trustee; the bank does not monitor or enforce trust terms", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust", "page": "11", "source_url": "https://www.unitedsouthernbank.com/assets/files/yDJdKrgA", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-usaa-federal-savings-bank", "institution": "USAA Federal Savings Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "USAA formal trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "formal trust accounts", "quote": "If the account is opened for an estate, a formal trust, guardianship or conservatorship, or other similar type of", "account_type": "USAA formal trust account", "page": "5", "source_url": "https://static.usaa.com/content/dam/digital/documents/pdf/bank/bk-depository-agreement-and-disclosures-current.pdf", "form_number": "Depository Agreement & Disclosures", "revision_date": "current (not printed)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "no", "detail": "any one fiduciary may sign", "quote": "If more than one person is named as fduciary on the account, we will act on the signature of any one of them", "account_type": "USAA formal trust account", "page": "5", "source_url": "https://static.usaa.com/content/dam/digital/documents/pdf/bank/bk-depository-agreement-and-disclosures-current.pdf", "form_number": "Depository Agreement & Disclosures", "revision_date": "current (not printed)", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustee submits the bank Letter of Instruction; co-trustees each sign or file their own LOI", "quote": "Successor Trustee (Only applicable for Trust Styled Accounts.) ... If multiple Executor/Trustees, each must submit a separate Letter of Instruction (LOI) or all parties must provide their signature", "account_type": "USAA formal trust account", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/lf_survivors_bank_letter_of_instruction.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "Letter of Instruction plus death certificate; a trust-styled account is paid by check to the trust", "quote": "This form is intended for you to provide necessary instruction on disbursement of a deceased member's banking ... A copy of the death certificate.", "account_type": "USAA formal trust account", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/lf_survivors_bank_letter_of_instruction.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-usf", "institution": "USF Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust" ], "florida": true, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust qualified for membership may own a single owner account", "quote": "A single owner Account is an Account owned by one member including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership.", "account_type": "Deposit account owned by a trust", "page": "7", "source_url": "https://www.usffcu.com/files/usfcu/1/file/Disclosures/uaa.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-valley-national-bank", "institution": "Valley National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Valley trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts for trustees under a written trust (Fiduciary Accounts section)", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Valley trust account", "page": "12", "source_url": "https://valley.com/content/dam/valley/pdfs/privacy-policy/AAYA%20w%20TOC%20Fees%20and%20Privacy%20Notice%207-1-25-ADA.pdf", "form_number": "VLY11370", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-washington-trust-bank", "institution": "Washington Trust Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account owned by a trust (fiduciary account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fiduciary accounts may be opened by trustees under a written trust agreement; the bank does not act as trustee or monitor the trust", "quote": "This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement", "account_type": "Deposit account owned by a trust (fiduciary account)", "page": "4", "source_url": "https://www.watrust.com/images/Disclosures/PersonalProductsDisclosure_%2012_1_12.pdf", "form_number": "", "revision_date": "2012-12", "wayback_capture": "2013-01-29", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-webster-bank", "institution": "Webster Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Trust agreement deposit accounts" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust agreement accounts under a will or written trust; the trustee must be designated as a fiduciary on the account records", "quote": "A trust agreement account is an account established under a will or written trust agreement.", "account_type": "Trust agreement deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" }, "successor_trustee_proof": { "value": "yes", "detail": "funds frozen until \"all required legal documents\" are delivered; documents not listed", "quote": "If the trustee dies or is replaced as trustee, we will not release any funds until all required legal documents have been delivered to us and all other legal requirements for such release have been met.", "account_type": "Trust agreement deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" }, "trustee_change": { "value": "yes", "detail": "same rule on a trustee's death or replacement; the bank follows the trustee's instructions until written notice that the agency ended", "quote": "If the trustee dies or is replaced as trustee, we will not release any funds until all required legal documents have been delivered to us", "account_type": "Trust agreement deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-wells-fargo-bank", "institution": "Wells Fargo Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Wells Fargo deposit account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts; retitled or closed at trustee's death", "quote": "Definition: Accounts with arrangements to hold the assets in a trust. Scenario: When a trustee or all trustees on the account are deceased. Maintenance: The account can be closed or retitled.", "account_type": "Wells Fargo deposit account owned by a trust", "page": "2", "source_url": "https://www08.wellsfargomedia.com/assets/pdf/personal/help/estate-care-center-checklist.pdf", "form_number": "Estate Care Center checklist", "revision_date": "2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Wells Fargo or third-party Certification of Trustee", "quote": "Certification of Trustee form (Wells o ... Fargo or Third-Party) naming a successor trustee, if applicable.", "account_type": "Wells Fargo deposit account owned by a trust", "page": "2", "source_url": "https://www08.wellsfargomedia.com/assets/pdf/personal/help/estate-care-center-checklist.pdf", "form_number": "Estate Care Center checklist", "revision_date": "2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate plus certification naming the successor", "quote": "A certified copy of the death certificate. Certification of Trustee form (Wells o ... Fargo or Third-Party) naming a successor trustee, if applicable.", "account_type": "Wells Fargo deposit account owned by a trust", "page": "2", "source_url": "https://www08.wellsfargomedia.com/assets/pdf/personal/help/estate-care-center-checklist.pdf", "form_number": "Estate Care Center checklist", "revision_date": "2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new certification", "quote": "Certification of Trustee form (Wells o ... Fargo or Third-Party) naming a successor trustee, if applicable.", "account_type": "Wells Fargo deposit account owned by a trust", "page": "2", "source_url": "https://www08.wellsfargomedia.com/assets/pdf/personal/help/estate-care-center-checklist.pdf", "form_number": "Estate Care Center checklist", "revision_date": "2025", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-western-alliance-bank", "institution": "Western Alliance Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Western Alliance trust account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-titled accounts", "quote": "A trust account is an Account held in the name of a trust for the benefit of one or more beneficiaries according to a written trust agreement.", "account_type": "Western Alliance trust account", "page": "10", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "notarized certification or abstract of trust", "quote": "The trustee(s) will supply Bank with a notarized certification or abstract of trust validating the existence of the trust and the authority of the trustee(s).", "account_type": "Western Alliance trust account", "page": "10", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "certification suffices", "quote": "The trustee(s) will supply Bank with a notarized certification or abstract of trust", "account_type": "Western Alliance trust account", "page": "10", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-zions-bancorporation-n-a", "institution": "Zions Bancorporation, N.A.", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Trust account subject to a separate agreement" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "written trust filed with the bank", "quote": "Trust Account Subject to Separate Agreement - We will abide by the terms of any separate agreement which clearly pertains to this account and which you file with us.", "account_type": "Trust account subject to a separate agreement", "page": "6", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "documentary identification of owners, authorized signers and beneficial owners", "quote": "Beneficial Ownership on Business and Trust Accounts/Requests for Information: We are required by law to adequately document the identity of direct owners ... We will require documentary identification as part of this process.", "account_type": "Trust account subject to a separate agreement", "page": "4", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "revocable trust, ordinarily the grantor's SSN, may have an EIN; irrevocable trust, EIN", "quote": "Grantor's (Revocable) Trust ordinarily SSN of the trustor, but may have EIN ... Irrevocable Trust EIN", "account_type": "Trust account subject to a separate agreement", "page": "28", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "the trust must supply documentation identifying successor trustees", "quote": "Revocable trusts agree to be responsible to supply the Bank with sufficient documentation to establish the identity of successor trustees", "account_type": "Trust account subject to a separate agreement", "page": "29", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "the trust must keep the bank updated on amendments changing trustees or successor trustees", "quote": "to keep the Bank updated with any amendments that affect management or control of the trust account, including any amendments to the designation of trustees or successor trustees.", "account_type": "Trust account subject to a separate agreement", "page": "29", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ally", "institution": "Ally Invest (Ally Invest Securities; clearing and custody through Apex Clearing per form)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Ally Invest brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "paper application", "quote": "Trust Account Application Checklist", "account_type": "Ally Invest brokerage account owned by a trust", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Apex Certification of Trust & Investment Powers plus Ally Invest Trustee Certification, in addition to trust pages", "quote": "Apex Clearing Certification of Trust & Investment Powers 072018 Ally Invest Trustee Certification V3", "account_type": "Ally Invest brokerage account owned by a trust", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "specified pages plus all amendments", "quote": "Copy of the following pages from the Trust: title page, signatory page, pages indicating powers of trustee and what investments can be done on behalf of the Trust, page indicating a successor trustee, and any amendments to the Trust Agreement.", "account_type": "Ally Invest brokerage account owned by a trust", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title, signature, powers, successor trustee pages and all amendments", "quote": "Copy of the following pages from the Trust: title page, signatory page, pages indicating powers of trustee and what investments can be done on behalf of the Trust, page indicating a successor trustee, and any amendments to the Trust Agreement.", "account_type": "Ally Invest brokerage account owned by a trust", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign; trustee certification notarized by a U.S. notary", "quote": "Investment Account Application signed by ALL Trustees (enclosed). ... All trustees must sign initial documentation. Subsequent documentation, if trustees can act independently, may only be signed by one trustee. ... Notary Signature Verification Must be a U.S. Notary. Foreign notary or consular seals may NOT be substituted.", "account_type": "Ally Invest brokerage account owned by a trust", "page": "", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "each trustee, name, address, date of birth, SSN (or foreign ID), ID number, type, issuer, issue and expiration dates (Apex and Ally Invest certifications)", "quote": "When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying document. ... SSN, Fed ID, Cedula, NIT#", "account_type": "Ally Invest brokerage account owned by a trust", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust tax ID number on the application; the trustee certification accepts an SSN or an EIN", "quote": "A US Social Security Number or Tax ID is always required to open an account. ... Tax Identification Number (SSN or EIN)", "account_type": "Ally Invest brokerage account owned by a trust", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustee page required at opening", "quote": "page indicating a successor trustee", "account_type": "Ally Invest brokerage account owned by a trust", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice and a new certification after an amendment or trustee change", "quote": "We agree to inform you, in writing, of any amendment to the Trust, any change in the composition of the Trustees or any other event that could materially alter the certifications made herein. ... This certification supersedes any prior certification, and the Parties may rely on it until receipt of a new certification.", "account_type": "Ally Invest brokerage account owned by a trust", "page": "11", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ameriprise", "institution": "Ameriprise Financial (Ameriprise Trust Company, custodian)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Trust-owned Ameriprise Certificate Company certificate account (death of an owner; Estate Settlement Claim form 116189)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "certificates may be trust-owned (form 116189); no trust account-opening document for Ameriprise was saved", "quote": "Trust owned accounts will retain the same account number, removing the decedent's ownership role, if the taxpayer ID for the trust will not", "account_type": "Trust-owned Ameriprise Certificate Company certificate account (death of an owner; Estate Settlement Claim form 116189)", "page": "8", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/116189.pdf", "form_number": "DOC0120116189", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "an irrevocable trust or estate claimant needs its own EIN, else mandatory withholding", "quote": "If the claimant is an irrevocable trust or estate, it must have its own Employee Identification Number (EIN) according to IRS Revenue Ruling 84-73", "account_type": "Trust-owned Ameriprise Certificate Company certificate account (death of an owner; Estate Settlement Claim form 116189)", "page": "3", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_116230.PDF", "form_number": "DOC0104116230", "revision_date": "2020-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "on an owner's death a trust-owned certificate keeps its account number if the trust's TIN does not change; otherwise a new account", "quote": "Trust owned accounts will retain the same account number, removing the decedent's ownership role, if the taxpayer ID for the trust will not ... be changing.", "account_type": "Trust-owned Ameriprise Certificate Company certificate account (death of an owner; Estate Settlement Claim form 116189)", "page": "8", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/116189.pdf", "form_number": "DOC0120116189", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "betterment", "institution": "Betterment", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Betterment account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable U.S. domestic trusts; opened online by a trustee", "quote": "Betterment supports both revocable and irrevocable trusts that are authorized to invest in securities.", "account_type": "Betterment account owned by a trust", "page": "web page", "source_url": "https://www.betterment.com/help/tag/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "says it takes a \"Notarized Trust Certificate\" but refuses \"Certificate of Trusts,\" \"Memorandum of Trusts\" and \"Affidavit of Trusts\" (article dated 2018); ask before relying on a certificate", "quote": "OR Notarized Trust Certificate Note that Betterment will not accept the following documents in lieu of the original trust agreement: Certificate of Trusts Memorandum of Trusts Affidavit of Trusts", "account_type": "Betterment account owned by a trust", "page": "web page", "source_url": "https://www.betterment.com/help/trust-documentation", "form_number": "", "revision_date": "2018-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "pages only", "quote": "Betterment does not require a copy of your entire trust agreement.", "account_type": "Betterment account owned by a trust", "page": "web page", "source_url": "https://www.betterment.com/help/tag/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page and all trustee signature pages", "quote": "We require electronic copies of the only following pages: The title page which generally contains the trust's title, TIN, date of establishment and the state of organization. The signature page(s), which contain the signatures of all authorized trustees.", "account_type": "Betterment account owned by a trust", "page": "web page", "source_url": "https://www.betterment.com/help/tag/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bny-mellon", "institution": "BNY Mellon, National Association", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "BNY Brokerage Account owned by a trust (Trust Account Certification Form MBS-TACF-0726; BNY Brokerage Services, Pershing LLC clearing)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust registration offered (affiliate fund form)", "quote": "Account is established to invest assets held in a trust.", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "6", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "the application's own certification (section 9) naming the authorized trustees with specimen signatures, medallion guaranteed", "quote": "If you are a Trust or Estate, please complete this certification. ... The following named persons are currently trustees/other authorized signatories of the Registered Owner", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "13", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpt pages only", "quote": "You will need to provide a copy of the pages of the trust agreement that show the name of the trust, the trust date, and a listing of all trustees and their signatures.", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "6", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages showing trust name, date, all trustees and signatures; testamentary trust, first and signature pages of the probated will", "quote": "You will need to provide a copy of the pages of the trust agreement that show the name of the trust, the trust date, and a listing of all trustees and their signatures. For a testamentary trust, provide a copy of the first page and the signature page(s) of the probated will that confirms the creation of the trust.", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "6", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustees listed with specimen signatures and a medallion guarantee; any one may act unless a number is inserted", "quote": "MEDALLION SIGNATURE GUARANTEE OR SEAL IS REQUIRED ... Unless otherwise indicated, the Transfer Agent may honor instructions of any one of the persons named above.", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "13", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate, trust extract naming the trust and trustees or successor trustees, driver's license; change of registration signed with a medallion guarantee", "quote": "I am the successor trustee for the trust of the above referenced account(s). (Please be sure to include a ... photocopy of the death certificate, a photocopy of the extract of the trust agreement that identifies the ... if you are acting in the capacity of a successor trustee and the current trustee is incapacitated", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ret-berf-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "successor trustee sends the death certificate, trust extract and driver's license (Request for Information form RET-BERF-0124)", "quote": "photocopy of the death certificate, a photocopy of the extract of the trust agreement that identifies the ... trust name and the trustees/successor trustees, and your driver's license", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ret-berf-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "amended trust certification form", "quote": "Any modification of the information below will require an amendment to this form.", "account_type": "BNY mutual fund account registered to a trust (BNY Mellon Family of Funds application and Change of Registration Authorization Form IM-CARF-0525; BNY Mellon Transfer, Inc. transfer agent)", "page": "13", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/im-carf-and-application.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "schwab", "institution": "Charles Schwab (incl. legacy TD Ameritrade accounts converted to Schwab)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Schwab One brokerage account (and Schwab Bank checking) owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable, irrevocable, sub-trust and testamentary trusts", "quote": "Schwab Oneยฎ Trust Account Application with Optional Schwab Bank Investor Checkingโ„ข Trust Account", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certification, memorandum, affidavit or abstract accepted", "quote": "All pages of the Certification of Trust, Memorandum of Trust, Affidavit of Trust, or Abstract of Trust may be submitted to satisfy the trust documentation.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpts only", "quote": "For a Revocable Trust, attach a copy of the first page or title page and all signature pages of the Trust documentation along with this Application.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page and all signature pages; sub-trusts also need the creating provision; testamentary trusts need will pages and proof of filing", "quote": "For a Revocable Trust, attach a copy of the first page or title page and all signature pages of the Trust documentation along with this Application. ... For a Sub-Trust (e.g., Marital Trust, Bypass Trust, or Generation-Skipping Trust), in addition to the requested", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees; notarized for trusts governed by 13 listed states unless grantor, trustee and beneficiary are the same people", "quote": "All Trustees must sign the Trustee Certification (Section 14) and the Application (Section 16). ... All trustee signatures MUST be notarized if your trust is governed by the laws of any of the following states: California, Delaware, Idaho, Iowa, Kansas, Michigan, Minnesota, Mississippi, Nebraska, Nevada, South Dakota, Tennessee, and Vermont.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "ID number for each trustee", "quote": "ID Number and Type (Please select only one box and provide the relevant information below.) Passport Driver's License", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "3", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "TIN change requires a new account", "quote": "If the Taxpayer Identification Number (TIN) is changing, a new account must be opened.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "trust page naming the successor", "quote": "If the original trustees have changed, provide the page(s) of the Trust that names the successor Trustee or otherwise validates the appointment of the successor Trustee.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "1", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "new account when the trust gets its own TIN after death", "quote": "If the Taxpayer Identification Number (TIN) is changing, a new account must be opened.", "account_type": "Schwab One brokerage account (and Schwab Bank checking) owned by a trust", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10600.pdf", "form_number": "AEM16972149", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-city-national-bank", "institution": "City National Bank", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "RBC Securities (City National subsidiary) brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts offered (RBC Securities, Inc.; no trust documentation rules stated)", "quote": "a variety of account types to hold investments including individual and joint accounts, transfer on death accounts, individual retirement accounts, retirement plans, health savings accounts, custodial and trust accounts", "account_type": "RBC Securities (City National subsidiary) brokerage account owned by a trust", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/investments-wealth-management/documents/RBC-Securities-Account-Agreements-and-Disclosures-66361.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "etrade", "institution": "E*TRADE from Morgan Stanley", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "E*TRADE brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust application (online or paper)", "quote": "BROKERAGE TRUST APPLICATION ... Name of Trust (as it appears on the trust agreement)", "account_type": "E*TRADE brokerage account owned by a trust", "page": "1", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "E*TRADE's own trustee certification (part of the application); the trust agreement is still required for EIN trusts and non-grantor trustees", "quote": "TRUSTEE CERTIFICATION OF TRUSTEE POWER ... In consideration of your maintaining one or more accounts for the Trust named below, I (we) the undersigned trustee(s), certify to E*TRADE Securities that the following is true, under the penalty of perjury.", "account_type": "E*TRADE brokerage account owned by a trust", "page": "9", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "the chart requires the Trust Agreement when the trust reports under an EIN or the trustee is not the grantor; a grantor-trustee reporting under the grantor's SSN needs only the application", "quote": "Required documents (documents will not be returned) ... Trust reporting under EIN ... Completed application ... Trust Agreement", "account_type": "E*TRADE brokerage account owned by a trust", "page": "2", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign the certification; wet signatures (digital signatures not accepted)", "quote": "Signature of Trustee (digital signatures not accepted) ... ALL TRUSTEES MUST SIGN", "account_type": "E*TRADE brokerage account owned by a trust", "page": "8", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "ID on request; IRS Letter 147C for the EIN if the entity cannot be verified", "quote": "We may also ask to see your driver's license or other identifying documents.", "account_type": "E*TRADE brokerage account owned by a trust", "page": "3", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN or trust EIN; grantor must sign if not a trustee", "quote": "Trust reporting under grantor's SSN (Trustee is NOT the grantor) needs signature of the grantor in Trustee Certification", "account_type": "E*TRADE brokerage account owned by a trust", "page": "", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "case-by-case list; may include death certificate and trust agreement with amendments", "quote": "Our Beneficiary Services Team will help you identify which documents we require to process your request. ... Death Certificate ... Trust Agreement & Amendments", "account_type": "E*TRADE brokerage account owned by a trust", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Estate_Inheritor_Document_Upload.pdf", "form_number": "0724-ESTINDU-E68901", "revision_date": "07/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify in writing of amendments or changes in trustees; no document list given", "quote": "We agree to promptly inform you, in writing, of any amendment to the Trust, any change in the composition of the Trustees or any other event which could alter the certifications made above.", "account_type": "E*TRADE brokerage account owned by a trust", "page": "9", "source_url": "https://content.etrade.com/etrade/estation/pdf/Trust_Application1.pdf", "form_number": "147C", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage or mutual fund account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "Trust account application", "quote": "New Fidelity Account ... Trust ... Brokerage", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/trust-account-application.pdf", "form_number": "1.791205.137", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Fidelity Certification of Trust form for domestic trusts", "quote": "Use this form to certify your trust to Fidelity. This form is for domestic trusts only. Do NOT use this form for foreign trusts.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/CERT_OF_TRUST.pdf", "form_number": "1.900844.113", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpt pages instead of the form; never the whole trust", "quote": "certify your trust by providing pages of the trust document that include the full name of the trust, trust date, name of the trustee(s), and all signatures. Do not include the entire trust document.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/CERT_OF_TRUST.pdf", "form_number": "1.900844.113", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages showing name, date, trustees and all signatures (if not using the certification form; required for foreign trusts)", "quote": "certify your trust by providing pages of the trust document that include the full name of the trust, trust date, name of the trustee(s), and all signatures. Do not include the entire trust document.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/CERT_OF_TRUST.pdf", "form_number": "1.900844.113", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "every trustee signs the application and the certification", "quote": "ALL trustees must sign and date this application. ... Each trustee must sign and date this form.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-roth-ira.pdf", "form_number": "2056A", "revision_date": "2012-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, SSN and DOB for each trustee, grantor and person with power to amend or revoke", "quote": "Enter full first and last name as evidenced by a government-issued, unexpired document (e.g., driver's license, passport, permanent resident card).", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/trust-account-application.pdf", "form_number": "1.791205.137", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN (living grantor) or trust EIN", "quote": "Provide the tax reporting number for the trust. A decedent's SSN cannot be used as the tax reporting number. The SSN must be that of a living grantor.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/trust-account-application.pdf", "form_number": "1.791205.137", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "Trustee Certification form plus death certificate or physician letter; Medallion guarantee over $100,000", "quote": "Naming a successor trustee(s) I (We) Name(s) of Successor Trustee(s) certify that I am (we are) the successor trustee(s) of the above-named trust in accordance with the terms of the trust instrument. ... Death of trustee. Include a copy of the death certificate and a state tax waiver, if required by the decedent's state of residence. Incapacitation of trustee. Include a letter signed by the attending physician on the physician's letterhead and dated within the past 180 days", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/trustee-certification-form.pdf", "form_number": "1.791053.114", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "a grantor's death changes the TIN (decedent's SSN cannot be used), so the account is re-registered under a new EIN", "quote": "Do NOT use this form if the trust's Taxpayer ID number (TIN or SSN) is changing. Instead, complete a Change of Account Registration form (brokerage), a Change of Account Ownership form (mutual fund), or a Fidelity Trust Account Application.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/trustee-certification-form.pdf", "form_number": "1.791053.114", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "Trustee Certification form, all remaining trustees sign, new Certification of Trust or excerpt pages; Medallion over $100,000", "quote": "To add or remove a trustee on an existing account, ALL remaining trustees MUST complete Sections 3 and 4, as applicable, and sign in Section 5. ... A Medallion signature guarantee is required: for the successor trustee if you are removing a trustee and the value of the trust is more than $100,000.", "account_type": "Brokerage or mutual fund account owned by a trust", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/trustee-certification-form.pdf", "form_number": "1.791053.114", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ibkr", "institution": "Interactive Brokers", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Interactive Brokers brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "online application; revocable, irrevocable, testamentary", "quote": "To open a Trust account, follow the steps below.", "account_type": "Interactive Brokers brokerage account owned by a trust", "page": "web page", "source_url": "https://www.ibkrguides.com/appguide/trust-account-application.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "IB's own Trustee Certification", "quote": "The following is a complete list of all trustees associated with the Trust, their addresses and their respective authorized powers under the Trust Agreement", "account_type": "Interactive Brokers brokerage account owned by a trust", "page": "1", "source_url": "https://www.interactivebrokers.com/download/Trustee_Cert_7-1-15_paper.pdf", "form_number": "Trustee Certification (paper)", "revision_date": "2015-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, address, DOB, SSN for every trustee and beneficiary", "quote": "Trustees and Beneficiaries: Name; Residential Address (if individual); Principle Place of Business Address (if entity); Date of Birth; Social Security Number or ID number if not US citizen.", "account_type": "Interactive Brokers brokerage account owned by a trust", "page": "web page", "source_url": "https://www.interactivebrokers.com/en/general/what-you-need-inv.php", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "jpm", "institution": "J.P. Morgan Securities LLC (J.P. Morgan Self-Directed Investing and J.P. Morgan Private Client / Wealth Management)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "opened by phone with documents uploaded through the Secure Message Center", "quote": "You'll need the following to open a trust account: A trust governing instrument, such as the trust agreement, will (if your trust is a testamentary trust) or a certification of trust", "account_type": "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trust agreement or certification of trust", "quote": "A trust governing instrument, such as the trust agreement, will (if your trust is a testamentary trust) or a certification of trust", "account_type": "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "certification is an alternative to the agreement", "quote": "A trust governing instrument, such as the trust agreement, will (if your trust is a testamentary trust) or a certification of trust", "account_type": "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "both trustees on the opening call", "quote": "If there are two trustees, both trustees will need to be present during the account opening call to confirm their contact information and provide signatures.", "account_type": "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "two government IDs per trustee", "quote": "Two forms of government ID for the trustee(s)", "account_type": "J.P. Morgan Self-Directed Investing / J.P. Morgan Securities brokerage account owned by a trust", "page": "web page", "source_url": "https://www.chase.com/personal/investments/trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "kingdom-trust", "institution": "Kingdom Trust Company", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Trust-owned custodial account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "account type \"Trust\" on the Custodial Account application", "quote": "FOR TRUST ACCOUNTS ... Trust Name: ... Trustee Name:", "account_type": "Trust-owned custodial account", "page": "6", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "application asks for the trust's tax ID", "quote": "Trust Tax ID", "account_type": "Trust-owned custodial account", "page": "6", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" } } }, { "inst_id": "m1", "institution": "M1 Finance", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "M1 brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable and irrevocable; $5,000 minimum", "quote": "M1 Finance supports U.S. domestic Trust accounts - both revocable and irrevocable - for investing in stocks, ETFs, and other eligible securities.", "account_type": "M1 brokerage account owned by a trust", "page": "web page", "source_url": "https://help.m1.com/en/articles/9332075-open-an-m1-trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certificate of trust plus supporting documents; Apex Certificate of Trust and Investment Powers", "quote": "Certified copies of your Certificate of Trust and supporting legal documents", "account_type": "M1 brokerage account owned by a trust", "page": "web page", "source_url": "https://help.m1.com/en/articles/9332075-open-an-m1-trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "photo ID and SSN for trustees", "quote": "Names, SSNs, and contact information of all trustees ... Upload all requested documentation: Photo ID SSN/W2 Trust Documents", "account_type": "M1 brokerage account owned by a trust", "page": "web page", "source_url": "https://help.m1.com/en/articles/9332075-open-an-m1-trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust must have its own EIN; a revocable trust using the grantor's SSN cannot open an account", "quote": "Only Trusts with a valid Tax ID (EIN) are eligible", "account_type": "M1 brokerage account owned by a trust", "page": "web page", "source_url": "https://help.m1.com/en/articles/9332075-open-an-m1-trust-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill", "institution": "Merrill Lynch (Merrill Lynch Wealth Management and Merrill Edge)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Merrill (CMA or brokerage) account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "CMA and IIA for trusts", "quote": "Trustee Certification Form For the CMAยฎ Account for Trusts, the Individual Investor Account for Trusts, the Inherited Retirement Account for Trusts and the 529 Account with a Trust as Participant", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Merrill's own Trustee Certification Form", "quote": "the undersigned trustees certify, represent and warrant to Merrill Lynch that the trust is in full force and effect, and that the following information is true, complete and accurate", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "never the whole trust", "quote": "DO NOT PROVIDE THE ENTIRE TRUST.", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages only for trusts not governed by US law", "quote": "If the trust is NOT governed by US law (50 states/District of Columbia), provide a copy of the following pages from the trust agreement: the first page, the signature page(s), the page(s) listing the trustees", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all current trustees; notarized for 14 listed governing-law states", "quote": "All current trustees must sign. Notarization is required for trusts governed by certain U.S. States. ... For trusts governed by the U.S states of California, Colorado, Delaware, Idaho, Illinois, Iowa, Michigan, Minnesota, Mississippi, Nebraska, Nevada, South Dakota, Tennessee, or Vermont, notarization is required", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "4", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "TIN change may require a new account", "quote": "The trustees are responsible for providing Merrill Lynch with the correct tax identification number for the trust and for contacting Merrill Lynch with any change to that number. A change in that number may result in the requirement that a new account be opened.", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "new certification plus resignation letter, death certificate or doctor's letter", "quote": "the trustees agree to provide Merrill Lynch with a new Trustee Certification Form signed by all trustees at the time such event occurs. (Supporting documentation will be required to remove the name of any trustee from the account (e.g., letter of resignation, death certificate, letter from medical doctor confirming incapacity).", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "2", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "trades under a deceased grantor's SSN are still reported under it; TIN change may require new account", "quote": "Any purchase or sale in a trust account utilizing a Social Security number of a deceased person will be reported to the I.R.S under that Social Security number", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new certification signed by all trustees", "quote": "the trustees agree to provide Merrill Lynch with a new Trustee Certification Form signed by all trustees at the time such event occurs.", "account_type": "Merrill (CMA or brokerage) account owned by a trust", "page": "2", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/trustee_certification_form.pdf", "form_number": "9914CSPT", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pershing", "institution": "Pershing LLC (BNY Pershing)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Trust-owned brokerage custody account (Pershing Advisor Solutions, Pershing LLC custodian)", "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "account holder may be a trust; signing trustees certify their authority in the agreement (Pershing Advisor Solutions terms, affiliate of Pershing LLC)", "quote": "may be one or more individuals or organization(s), a corporation, ... a joint venture(s), a partnership or a trust. ... If this Account is a Trust, the Trustee(s) signing this Agreement ... certify that the Trust authorizes the Trustee to receive on behalf", "account_type": "Trust-owned brokerage custody account (Pershing Advisor Solutions, Pershing LLC custodian)", "page": "1", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/disclosures/pas-terms-and-conditions.pdf", "form_number": "", "revision_date": "2023-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "introducing broker's own Trust Account Certification Form (BNY Mellon Securities Corporation; indemnifies Pershing too)", "quote": "Please use this document in conjunction with copies of the Title Page, Signature Page section of your trust", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "not required; trustees agree to provide a copy if BNY Mellon Securities Corporation or Pershing requests it", "quote": "Please DO NOT send a copy of the complete Trust Agreement.", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page and signature page", "quote": "Please use this document in conjunction with copies of the Title Page, Signature Page section of your trust", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all current trustees sign the certification (notary block follows); trustees certify they can act independently, multi-signature trusts are not monitored", "quote": "There are no other trustees of the Trust other than the undersigned. ... TRUSTEE NAME SIGNATURE DATE", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "both the trust TIN and the grantor's SSN are asked", "quote": "Trust Tax ID Number ... Trustor/Grantor/Settlor SSN", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify in writing; additional (unspecified) documents required", "quote": "(Additional documents will be required to change trustee information.) ... agree to inform BNY MELLON SECURITIES CORPORATION IMMEDIATELY in ... writing of any amendment to the Trust, any change in the composition of the Trustees", "account_type": "Trust-owned brokerage account (BNY Brokerage Services Trust Account Certification Form; Pershing LLC clearing)", "page": "2", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/mbs-trust-acct-cert-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "rbc-wealth-management", "institution": "RBC Wealth Management (U.S.)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Trust-owned brokerage account" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "fee schedule lists fee waivers for trust accounts with a TIN; no trust account form saved", "quote": "irrevocable trust/trust accounts with a TIN", "account_type": "Trust-owned brokerage account", "page": "1", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/schedule-of-fees-updated.pdf", "form_number": "", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "baird", "institution": "Robert W. Baird & Co. (Baird Funds direct IRAs and TOD accounts)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Baird brokerage account for a trust (Client Relationship Agreement)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trustee acts as Authorized Representative on the account; no documentation rules stated", "quote": "Each Authorized Representative acting as (i) the trustee of a revocable or irrevocable trust", "account_type": "Baird brokerage account for a trust (Client Relationship Agreement)", "page": "6", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "robinhood", "institution": "Robinhood (Robinhood Securities, LLC custodian)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Robinhood brokerage account owned by a revocable living trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "revocable living trusts only; grantor must be a trustee and open it in the app", "quote": "Robinhood supports revocable living trusts . At this time, irrevocable trusts and corporate (entity) trustees aren't supported.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "certificate of trust or pages", "quote": "When applying, you'll be asked to upload specific pages from your trust agreement or certificate of trust.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "pages only", "quote": "upload specific pages from your trust agreement or certificate of trust", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "name, grantors, all trustees and signatures, date, jurisdiction, powers", "quote": "A certificate of trust acts as a certified summary and includes: The official trust name The grantor's name(s) The names and signatures of all trustees The trust's date of execution The state of jurisdiction", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "each trustee signs the trust documentation before acting; any one onboarded trustee may give instructions", "quote": "No Trustee may access or act in the Trust Account until they have completed Robinhood's identity verification requirements and executed the required Trust documentation.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "5", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/Robinhood-Customer-Agreement.pdf", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "each trustee's identity verified", "quote": "Identity verification : For every trustee added, you'll confirm their legal", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "grantor SSN or trust EIN", "quote": "Using the primary grantor's SSN : In the majority of cases, a revocable trust shares the creator's personal identity. ... Using a trust-specific EIN : If your revocable trust has been assigned its own unique Employer Identification Number (EIN) by the IRS, you can select that option.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/trust-accounts-faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate, trust or certificate of trust, acceptance of trusteeship, ID (help page); earlier \"not stated\" concerned account opening", "quote": "To verify the successor trustee's identity and authority, we'll ask for a death certificate, the trust document (or Certificate of Trust), a signed Acceptance of Trusteeship (if applicable), and a government-issued ID.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "account restricted; successor trustee verified, then must ACAT the assets to another firm", "quote": "Since Robinhood doesn't support irrevocable trusts, the trust account can't remain open with us.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "notify Robinhood of amendments, revocation or trustee changes; new trustee must complete onboarding", "quote": "Robinhood may restrict the Trust Account and require updated documentation following any change in Trustee identity or authority.", "account_type": "Robinhood brokerage account owned by a revocable living trust", "page": "5", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/Robinhood-Customer-Agreement.pdf", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-northern-trust-company", "institution": "The Northern Trust Company", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "Northern Funds mutual fund account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust registration on the new account application", "quote": "TRUST ACCOUNT If you are establishing a Trust Account, please attach the Title, Trustee and Signature pages.", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "9", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/pws/nt/documents/funds/forms/new-account-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpts only", "quote": "If this is a trust, please attach the Title, Trustee and Signature pages.", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "2", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/pws/nt/documents/funds/forms/new-account-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title, trustee and signature pages", "quote": "If this is a trust, please attach the Title, Trustee and Signature pages.", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "2", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/pws/nt/documents/funds/forms/new-account-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign", "quote": "All account owners or trustees must sign below.", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "5", "source_url": "https://ntam.northerntrust.com/content/dam/ntam/us/en/documents/account-resources/forms/traditonal-ira-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "trustee and co-trustee SSN and date of birth", "quote": "NAME OF AUTHORIZED SIGNER / TRUSTEE ... TRUSTEE'S SOCIAL SECURITY NUMBER ... TRUSTEE'S DATE OF BIRTH", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "2", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/pws/nt/documents/funds/forms/new-account-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN; grantor or settlor TIN if different from the trustee", "quote": "TAX IDENTIFICATION NUMBER ... If entity type is a trust and the grantor or settlor of the trust is different than the trustee, please complete the following: ... GRANTOR TAX IDENTIFICATION NUMBER", "account_type": "Northern Funds mutual fund account owned by a trust", "page": "2", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/pws/nt/documents/funds/forms/new-account-application-swsfx.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Thrivent Funds account registered to a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "retitling by Change of Registration MF23432; no TOD on trust accounts", "quote": "Transfer an account into a trust account. Required - complete the Thrivent Funds Certification of Trust Form MF24143. ... Transfer on Death (TOD) is not available on accounts registered as Trusts", "account_type": "Thrivent Funds account registered to a trust", "page": "1", "source_url": "https://thriventcharitable.thrivent.com/mf23432-thrivent-mutual-funds-change-of-registration-form-pdf", "form_number": "MF24143", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Thrivent Funds Certification of Trust (24143A covers Thrivent Funds)", "quote": "Required - complete the Thrivent Funds Certification of Trust Form MF24143.", "account_type": "Thrivent Funds account registered to a trust", "page": "1", "source_url": "https://thriventcharitable.thrivent.com/mf23432-thrivent-mutual-funds-change-of-registration-form-pdf", "form_number": "MF24143", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees in CA, ID, IA, MO, NE, NV, NJ, OR, else one; notary stamp when a trustee lives in ID, MI, MN, NE, NV, TN or VT", "quote": "When any currently acting trustee is a resident of California, Idaho, Iowa, Missouri, Nebraska, Nevada, New Jersey, or Oregon, all currently acting trustees must sign the Certification of Trust. In all other states, only one trustee's signature is required. ... Affix notary stamp here (required when", "account_type": "Thrivent Funds account registered to a trust", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, SSN, address and date of birth of each acting trustee", "quote": "Identification of Currently Acting Trustee(s) - Complete for all currently acting trustee(s).", "account_type": "Thrivent Funds account registered to a trust", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "irrevocable trust EIN; revocable trust grantor SSN", "quote": "Irrevocable - Trust Employer Identification Number (EIN) ... Social Security number of grantor ... no account/contract will be accepted without a valid TIN", "account_type": "Thrivent Funds account registered to a trust", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "no proof of succession; Tennessee trustees list successor trustees", "quote": "I authorize Thrivent to rely upon the authority of one or more successors to act without proof of their succession", "account_type": "Thrivent Funds account registered to a trust", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "notify Thrivent for cost basis", "quote": "Provide notification upon the death of any trust grantor(s) for revocable trusts in order for cost basis to be adjusted.", "account_type": "Thrivent Funds account registered to a trust", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustee must notify Thrivent of changes (written revocation or amendment)", "quote": "I will promptly inform Thrivent of any changes in the representations contained in this certification", "account_type": "Thrivent Funds account registered to a trust", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tiaa", "institution": "TIAA (IRAs)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "TIAA-CREF Funds account registered to a trust (application F11154)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes; foreign trusts refused", "quote": "Trusts (Please attach the initial page(s) of the trust agreement identifying the parties to the trust and the signature page(s). Foreign trusts are not permitted to have shareholder accounts.)", "account_type": "TIAA-CREF Funds account registered to a trust (application F11154)", "page": "1", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "trustee certification on the application, together with trust excerpts", "quote": "Trustee(s) Certification: I am/We are the currently acting Trustee(s) and am/are authorized by the trust agreement to purchase shares of the TIAA-CREF Funds.", "account_type": "TIAA-CREF Funds account registered to a trust (application F11154)", "page": "11", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "excerpts only", "quote": "Please attach the initial page(s) of the trust agreement identifying the parties to the trust and the signature page(s).", "account_type": "TIAA-CREF Funds account registered to a trust (application F11154)", "page": "1", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "first page(s) naming the parties and the signature page(s); for a statutory trust also the page with the date", "quote": "Please attach the initial page(s) of the trust agreement identifying the parties to the trust and the signature page(s).", "account_type": "TIAA-CREF Funds account registered to a trust (application F11154)", "page": "1", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "trustee section asks SSN or TIN, date of birth and citizenship for each trustee", "quote": "When you open an account, we will ask for your name, address, date of birth, Social Security number and other information that will allow us to identify you", "account_type": "TIAA-CREF Funds account registered to a trust (application F11154)", "page": "1", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" } } }, { "inst_id": "ubs", "institution": "UBS Financial Services", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "UBS brokerage account owned by a (non-ERISA) trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts via certification", "quote": "In consideration of UBS Financial Services Inc. or any of its current or future subsidiaries, affiliates, successors, or assigns (collectively, \"UBS\") opening and/or maintaining one or more accounts for the trust named below", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/trustee_certification_and_agreement_for_nonERISA-trusts.pdf", "form_number": "CL-TS", "revision_date": "2008-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "UBS's own Trustee Certification and Agreement (2008 revision is the public copy)", "quote": "certify, represent and warrant that the trust agreement to which this Certification and Agreement applies is in full", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/trustee_certification_and_agreement_for_nonERISA-trusts.pdf", "form_number": "CL-TS", "revision_date": "2008-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees (and grantors of a revocable trust) sign; afterwards any one trustee may act alone unless the Signature Page says otherwise", "quote": "All trustees - and, if the trust is a grantor revocable trust, all grantors - must execute this form. ... Each trustee (or a corporate officer if the account is a corporate trust) executed the certification.", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/trustee_certification_and_agreement_for_nonERISA-trusts.pdf", "form_number": "CL-TS", "revision_date": "2008-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "each trustee, name, address, date of birth, SSN/TIN (passport or cedula if non-US); ID documents may be requested (trust and estate application)", "quote": "Passport/Cedula (If non-U.S. and no Social Security Number specified) ... we will ask for your name, a street address, date of birth, and a tax identification number, such as a social security number. We may also ask to see a driver's license or other identifying documents", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "3", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/account_application_and_agreement_for_trust_and_estate_accounts.pdf", "form_number": "", "revision_date": "2011-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "pre-name a successor trustee with SSN/TIN on the form", "quote": "In the event of the death of all the trustees named in the Trust Information section on page 1, the person identified below is authorized to act as successor trustee", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "2", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/trustee_certification_and_agreement_for_nonERISA-trusts.pdf", "form_number": "CL-TS", "revision_date": "2008-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "updated certification after any trust amendment or change of trustees (Client Relationship Agreement)", "quote": "If this form is being used to add a new trustee or successor trustee to the account(s), that we are empowered to do so by the trust agreement, pertinent court order, or applicable law. ... You agree to provide UBS an updated certification if there is any amendment to the trust, any change in the composition of the trustees", "account_type": "UBS brokerage account owned by a (non-ERISA) trust", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/trustee_certification_and_agreement_for_nonERISA-trusts.pdf", "form_number": "CL-TS", "revision_date": "2008-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "vanguard", "institution": "Vanguard", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Vanguard brokerage or mutual fund account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "online or paper trust application", "quote": "A completed trust account application, including personal information of the trustees, the type of trust, the date of the trust, and the trust's tax identification number.", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "relevant pages only", "quote": "Don't include the entire trust document, only the relevant pages (usually the first and last) containing the following information.", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages with name, date, current trustees and all signatures; will pages and court filing proof for testamentary trusts; creating provision for sub-trusts", "quote": "For a trust under agreement: The trust's name and date. The current trustees' names. All signature pages of the trust document.", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN on application", "quote": "the trust's tax identification number", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "death certificate or letter of incapacitation", "quote": "If the trust ownership is being/has passed to you from someone else, provide additional documentation as to why the original/current trustee is no longer acting (i.e., death certificate, letter of incapacitation).", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "same documentation as a successor trustee", "quote": "provide additional documentation as to why the original/current trustee is no longer acting (i.e., death certificate, letter of incapacitation)", "account_type": "Vanguard brokerage or mutual fund account owned by a trust", "page": "web page", "source_url": "https://investor.vanguard.com/accounts-plans/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wealthfront", "institution": "Wealthfront", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Wealthfront account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts exist", "quote": "How can the secondary trustee(s) access our trust account?", "account_type": "Wealthfront account owned by a trust", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/213576786-How-do-I-add-or-change-a-beneficiary-to-my-Wealthfront-accounts", "form_number": "", "revision_date": "2026-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "death certificate and trust documents", "quote": "A copy of the death certificate Probate documents (i.e. Letters of Administration, Letters Testamentary) A Small Estate Affidavit (if bypassing probate) Trust documents (for Wealthfront Trust Accounts)", "account_type": "Wealthfront account owned by a trust", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/30257265144724-What-to-do-when-someone-passes-away", "form_number": "", "revision_date": "2026-09-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wellsfargo", "institution": "Wells Fargo Advisors (Wells Fargo Clearing Services, custodian; incl. WellsTrade and Intuitive Investor)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Wells Fargo Advisors brokerage account owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust accounts via TCIP", "quote": "In consideration of Wells Fargo Clearing Services, LLC (\"you\") opening and/or maintaining one or more accounts (each, an \"Account\") for the trust named below", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "1", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Trustee Certification of Investment Powers", "quote": "the undersigned trustee(s) hereby certify, swear under penalty of perjury, and acknowledge that the following information is accurate and complete", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "1", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "relies on certification only", "quote": "you will be relying solely on these certifications, and that you will not review or interpret the trust for any matters relating to such certifications and operation of the Account(s), even if you are provided with a copy of the trust.", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "2", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign", "quote": "SIGNATURE (All trustee(s) must sign) ... We hereby certify that the undersigned are all of the trustee(s) of the trust.", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "2", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN on certification", "quote": "The trust's U.S. taxpayer identification number is:", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "1", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "name the first successor on the TCIP; otherwise legal opinion may be required", "quote": "If we do not name or, if applicable, update the successor trustee in this certification, we acknowledge that you may require a legal opinion and/or other documentation prior to allowing a successor trustee to act.", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "2", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice and updated certification", "quote": "We agree to inform you, in writing, immediately if: (a) there is any subsequent amendment to the trust, including any change in successor trustee(s); (b) any trustee dies or becomes incapacitated", "account_type": "Wells Fargo Advisors brokerage account owned by a trust", "page": "2", "source_url": "https://fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156014/TCIP.pdf", "form_number": "556454", "revision_date": "Rev 26 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-fidelity", "institution": "Fidelity Health Savings Account (Fidelity Personal Trust Company, FSB, custodian)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Fiduciary account for a trust beneficiary of a Fidelity HSA" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "only a temporary fiduciary account in the trust's name to receive the inherited HSA assets (taxable HSA death distribution), closed after distribution by check or in-kind transfer to a Fidelity nonretirement account", "quote": "Use this form to establish a temporary account for the receipt and distribution of assets inherited from a Fidelity Health Savings ... Account (HSA) as a representative of an estate, trust, or entity beneficiary", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Fidelity Certification of Trust form accepted", "quote": "Fidelity Certification of Trust form OR the following from your trust agreement: Title page, signature page, and the", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "certification or excerpts; Fidelity may require additional documentation", "quote": "Fidelity Certification of Trust form OR the following from your trust agreement: Title page, signature page, and the ... page that lists the succession of trustees, if necessary", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title page, signature page, trustee succession page if necessary", "quote": "Title page, signature page, and the ... page that lists the succession of trustees, if necessary", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign; Medallion guarantee over $100,000 unless signed at a Fidelity Investor Center with all signers present", "quote": "ALL executors and trustees must sign this form ... A Medallion signature guarantee is required if the transaction is greater than $100,000.", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "9", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "trustee name, date of birth, SSN, address; government ID details for foreign citizens; CIP verification", "quote": "Provide the following information for the primary Executor, Trustee, Custodian of the Minor, Business Authorized Individual, Guardian, or ... federal regulation requires Fidelity to obtain and verify your name, date of birth, address", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "5", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "the trust's taxpayer ID (SSN/ITIN or entity TIN) is entered for the trust beneficiary", "quote": "SSN/ITIN OR Entity ID/TIN", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "trust page listing succession of trustees, if necessary", "quote": "page that lists the succession of trustees, if necessary", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify Fidelity in writing of any change in the trustees", "quote": "The Trustees agree to inform Fidelity, in ... writing, of any change in the composition ... of the Trustees, or any other event that", "account_type": "Fiduciary account for a trust beneficiary of a Fidelity HSA", "page": "8", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "madison-trust", "institution": "Madison Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Inherited IRA held by a trust beneficiary" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "inherited IRA may be titled to a trust beneficiary", "quote": "For non-individual beneficiaries ... If the account is owned by a trust, we will need a Trust Certification Form.", "account_type": "Inherited IRA held by a trust beneficiary", "page": "1", "source_url": "https://beta.madisontrust.com/forms/Inherited_IRA_Account_Application_Entity.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Madison's Trust Certification for Inherited IRA", "quote": "This form should be completed and returned to Madison Trust Company when a trust is the accountholder of an inherited IRA", "account_type": "Inherited IRA held by a trust beneficiary", "page": "1", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "no; only if requested", "quote": "Do not provide a copy of the trust agreement or any part of it unless requested by Madison Trust Company.", "account_type": "Inherited IRA held by a trust beneficiary", "page": "1", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees", "quote": "All trustees must sign. Attach additional signature pages if there are more than three trustees.", "account_type": "Inherited IRA held by a trust beneficiary", "page": "3", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "photo ID of the responsible party (trustee)", "quote": "Please attach a photocopy of your government-issued photo identification.", "account_type": "Inherited IRA held by a trust beneficiary", "page": "1", "source_url": "https://beta.madisontrust.com/forms/Inherited_IRA_Account_Application_Entity.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust EIN", "quote": "Name of Trust ... Trust EIN ... Date of Trust Agreement", "account_type": "Inherited IRA held by a trust beneficiary", "page": "1", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify promptly; no document list stated", "quote": "The trustees will notify Madison Trust Company promptly of any changes to the information provided as the result of an amendment to the trust or because the information has changed.", "account_type": "Inherited IRA held by a trust beneficiary", "page": "3", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-pnc-bank", "institution": "PNC Bank, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "PNC Wealth Management Premiere Select IRA Beneficiary Distribution Account (inherited IRA) held by a trust (NFS / FMTC)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may hold an inherited IRA-BDA; for a direct rollover of employer plan assets the trustee certifies the trust is a qualifying non-spouse beneficiary under Code section 402(c)", "quote": "inherited by a Trust are being directly rolled to an ... IRA-BDA, as Trustee for the above-referenced Trust, ... I hereby certify that the trust is a qualifying non-", "account_type": "PNC Wealth Management Premiere Select IRA Beneficiary Distribution Account (inherited IRA) held by a trust (NFS / FMTC)", "page": "10", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "NFS Trustee Certification of Investment Powers form", "quote": "and as listed on the Trustee Certification of Investment ... Powers form included with this Application.", "account_type": "PNC Wealth Management Premiere Select IRA Beneficiary Distribution Account (inherited IRA) held by a trust (NFS / FMTC)", "page": "10", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "any trustee may instruct, but NFS may require written consent of any or all trustees; a single signer represents being sole trustee", "quote": "protection, may require the written consent of any or ... all Trustees prior to acting upon the instructions of any ... be a representation that the signer is the sole Trustee.", "account_type": "PNC Wealth Management Premiere Select IRA Beneficiary Distribution Account (inherited IRA) held by a trust (NFS / FMTC)", "page": "10", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice of a change in trustees", "quote": "We, the Trustees, agree to inform You in writing of any ... change in the composition of the Trustees, or any other", "account_type": "PNC Wealth Management Premiere Select IRA Beneficiary Distribution Account (inherited IRA) held by a trust (NFS / FMTC)", "page": "10", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-allianz-life", "institution": "Allianz Life Insurance Company of North America", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned life insurance policies" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "transfer to a trust owner (SFAL0013); the certification asks for the trust beneficiary for life contracts and an insurable interest representation", "quote": "If a trust is designated as the new owner, please provide an Entity Customer Information form and a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s).", "account_type": "Trust-owned life insurance policies", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Allianz Certification of Trust form NBAL0049 (6/2022)", "quote": "a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s)", "account_type": "Trust-owned life insurance policies", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "current form (2023), certification or pages; the 2015 form S2263 required a complete copy of the trust plus Trustee Certification NB2290 for life policies", "quote": "a completed certification of trust or appropriate pages of the trust reflecting the name of the trust and acting trustee(s)", "account_type": "Trust-owned life insurance policies", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "pages showing trust name and acting trustee(s)", "quote": "appropriate pages of the trust reflecting the name of the trust and acting trustee(s)", "account_type": "Trust-owned life insurance policies", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2021/07/20/13/21/sfal0013.pdf", "form_number": "SFAL0013", "revision_date": "2023-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign the certification; the certification also records whether trustees act together, independently or by majority", "quote": "If multiple Trustees, ALL Trustees must sign, even if Trustee can act independently.", "account_type": "Trust-owned life insurance policies", "page": "3", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN or SSN on the certification; S2263 asks SSN or EIN if the owner is a trust", "quote": "Trust Tax Identification number/Social Security number", "account_type": "Trust-owned life insurance policies", "page": "1", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustees must notify Allianz in writing; Allianz may rely on the certification until notified", "quote": "The Trustee agrees to notify Allianz Life Insurance Company of North America (Allianz) in writing of any amendments to the Trust, any changes in the composition of the trustees or any other event that may alter the certifications", "account_type": "Trust-owned life insurance policies", "page": "3", "source_url": "https://www.allianzlife.com/-/media/files/global/documents/2018/01/23/19/42/nbal0049.pdf", "form_number": "NBAL0049", "revision_date": "2022-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-brighthouse", "institution": "Brighthouse Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Brighthouse life insurance policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "the beneficiary change form provides for a trust as policy owner", "quote": "Non-Individual Owner Information ... Name of Entity or Trust ... Tax ID Number Date of Trust (if applicable) State of Domicile", "account_type": "Brighthouse life insurance policy owned by a trust", "page": "2", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-equitable", "institution": "Equitable Financial Life Insurance Company (formerly AXA Equitable)", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned life policies (form E6258)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may be the present owner (current form e14616 and E6258)", "quote": "Corporate, Partnership, Charity/Non-Profit or Trust Name ... For Corporate or Trust Owned Policies: Name of Corporation or Trust:", "account_type": "Trust-owned life policies (form E6258)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "trustee_signatures": { "value": "yes", "detail": "current trustee(s) sign with title (e14616); whether all co-trustees must sign is not stated", "quote": "Must be signed by current Trustee (s) with their title.", "account_type": "Trust-owned life policies (form E6258)", "page": "5", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-fg", "institution": "F&G Annuities & Life (Fidelity & Guaranty Life Insurance Company)", "segment": "insurer", "account_group": "life", "account_types": [ "F&G life insurance policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust may own the contract; a Non-Natural Owner Acknowledgement form is required on transfer to a trust", "quote": "If the new owner is a TRUST, a Non-Natural Owner Acknowledgement form must be completed an accompany this", "account_type": "F&G life insurance policy owned by a trust", "page": "2", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin0000s/ADMIN0177%20Transfer%20of%20ownership%20-%20Change%20of%20Beneficiary.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign with title \"trustee\" (beneficiary change and disbursement forms)", "quote": "Trust - All trustee(s) must sign with title \"trustee\" according to the terms of the Trust Agreement.", "account_type": "F&G life insurance policy owned by a trust", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-global-atlantic", "institution": "Global Atlantic Financial Group (Forethought Life)", "segment": "insurer", "account_group": "life", "account_types": [ "Accordia Life policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust owners accepted with Trust Verification", "quote": "Please list all existing or new policies with Accordia Life that have or will have this Trust as owner or beneficiary. ... If the owner is a Trust, submit a Trust Verification Request Form", "account_type": "Accordia Life policy owned by a trust", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "insurer's own Trust Verification (16541)", "quote": "Use this form to certify the name, date and trustees of your trust.", "account_type": "Accordia Life policy owned by a trust", "page": "web page", "source_url": "https://www.globalatlantic.com/individual/resources/support-center", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "on request", "quote": "Please be advised that the Company reserves the right to request and receive a copy of the Trust documents.", "account_type": "Accordia Life policy owned by a trust", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign unless the trust lets them act independently", "quote": "if more than one trustee, we require all trustees to sign applicable forms, unless we receive a copy of the trust stating that the Trustees can act independently. ... Each Trustee indicated in Question 10 must sign below.", "account_type": "Accordia Life policy owned by a trust", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN, not needed for a revocable grantor trust; grantor SSN asked", "quote": "Trust Tax Identification Number (TIN) is: ... (not required for revocable grantor trusts)", "account_type": "Accordia Life policy owned by a trust", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "written notice and an updated Trust Verification", "quote": "the Company may rely upon the direction of the named Trustee(s) until the Company receives written notification at its Home Office of a change of Trustee ... if there have been changes to the Trust, please submit an updated Trust Verification Form", "account_type": "Accordia Life policy owned by a trust", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-guardian", "institution": "Guardian Life Insurance Company of America", "segment": "insurer", "account_group": "life", "account_types": [ "Guardian individual life policy owned by a trust (Request for Beneficiary Change instructions)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned policies contemplated", "quote": "Owner(s) Birth/Trust Date ... Trust or Pension Plan", "account_type": "Guardian individual life policy owned by a trust (Request for Beneficiary Change instructions)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign, or one with proof of authority", "quote": "Signatures of all trustees, unless one trustee has the authority to sign for ... the entire trust/plan. If one trustee can sign, be sure to include proof of", "account_type": "Guardian individual life policy owned by a trust (Request for Beneficiary Change instructions)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-lincoln", "institution": "Lincoln Financial (Lincoln National Life)", "segment": "insurer", "account_group": "life", "account_types": [ "Lincoln life insurance policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "ownership change option D, with trust name, trustee, trust date, TIN; trust may also be contingent owner", "quote": "To the formal trust agreement named below.", "account_type": "Lincoln life insurance policy owned by a trust", "page": "4", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06891-form.pdf", "form_number": "CS06891", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Lincoln's own Certification of Trustee Powers form (CS11769) required", "quote": "Signature of all Trustee(s) with title along with the completed Certification of Trustee Powers form.", "account_type": "Lincoln life insurance policy owned by a trust", "page": "7", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06891-form.pdf", "form_number": "CS06891", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees sign with title", "quote": "Trust owned policies must be signed by all trustees with the title of each and attach the Certification of Trustee Powers form.", "account_type": "Lincoln life insurance policy owned by a trust", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN required; W-9 may be required; EIN vs grantor SSN not specified", "quote": "Tax ID Number is required for Trusts. ... Tax Identification Number (TIN) of trusts or other types of entities.", "account_type": "Lincoln life insurance policy owned by a trust", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-nationwide", "institution": "Nationwide Life Insurance Company (and Nationwide Life and Annuity Insurance Company)", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned life insurance policies" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust-owned policies, trustee signs as owner (LAF-0140AO; LAF-0119AO \"Trustee\" signature line)", "quote": "For trusts, we require a Certification of Trust (Trust Certificate)", "account_type": "Trust-owned life insurance policies", "page": "3", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0140AO.pdf", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Certification of Trust", "quote": "For trusts, we require a Certification of Trust (Trust Certificate) that provides necessary information to validate the trust including but not limited to the legal Trust name and effective date, Trustees(s) authorized to act on the behalf of the Trust including any successor Trustees(s), and the Trust's tax identification number.", "account_type": "Trust-owned life insurance policies", "page": "3", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0140AO.pdf", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all co-trustees sign the beneficiary change", "quote": "This request must be signed and dated by all persons who have ownership or other rights in the policy (all co-owners, joint owners, co-trustees, previously named irrevocable beneficiaries, etc.).", "account_type": "Trust-owned life insurance policies", "page": "6", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN in the certification", "quote": "and the Trust's tax identification number", "account_type": "Trust-owned life insurance policies", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-new-york-life", "institution": "New York Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "a trust (irrevocable, revocable or grantor) may be named new owner of a policy or annuity", "quote": "TO NAME A TRUST ... Statement Regarding Trust as Owner ... The Trust Agreement contains no limitations on the ownership rights of the Trust (s) as owner(s) of the insurance/annuity policies.", "account_type": "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "the owner checks New York Life's own trust statement (trustee authority to pay premiums, no limits on ownership rights) and an assisting agent may certify review of the trust; the excerpt pages are still required", "quote": "Statement Regarding Trust as Owner ... the Trust Agreement created by the Grantor as shown above (and the trust date shown above) agrees with the following ... I attest that I have reviewed the identifying trust/business document(s)", "account_type": "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "excerpts at transfer; the full trust on request", "quote": "New York Life or its subsidiaries reserves the right to request the entire trust document.", "account_type": "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "pages_required": { "value": "yes", "detail": "title, signature and notary pages plus trustee and successor trustee pages", "quote": "A copy of the Title, Signature, and Notary pages of the trust agreement, including the pages showing the trustee and successor trustee information is required.", "account_type": "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all required trustees sign with \"trustee\" after the signature (same when a trust is the current owner); the grantor also signs", "quote": "Where the New Owner is a trust, provide the signatures of all required trustees. ... The designation trustee must follow the trustee's signature.", "account_type": "Trust-owned life policies (Transfer of Ownership form 21132 12/2023 in kit 22600 09/2026)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/22600.pdf", "form_number": "22600", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-pacific-life", "institution": "Pacific Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned life insurance policies" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "ownership change to a trust", "quote": "If the new Policyowner is a trust, the new Policyowner must complete the Trust Certification for In-Force Policies form (15-47910).", "account_type": "Trust-owned life insurance policies", "page": "2", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Trust Certification for In-Force Policies (15-47910)", "quote": "PLIC is relying exclusively on the representations in this Certification and not upon a review of the Trust document", "account_type": "Trust-owned life insurance policies", "page": "12", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "only on request", "quote": "Pacific Life Insurance Company (PLIC) reserves the right to request a copy of the Trust Document", "account_type": "Trust-owned life insurance policies", "page": "11", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees and grantors sign the certification; for exercising rights the trust may choose all, any one or a majority of trustees (default all)", "quote": "All current trustee's signatures are required ... All grantor's signatures are required when changing ownership to a trust", "account_type": "Trust-owned life insurance policies", "page": "13", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "new certification signed by all current trustees; death certificate of a deceased trustee", "quote": "There is a change of trustee(s) to certify the list of all currently authorized trustees ... provide a copy of the death certificate for any deceased ... trustee", "account_type": "Trust-owned life insurance policies", "page": "12", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "death certificate on request", "quote": "Is Grantor deceased? ... PLIC reserves the right to request a copy of the death certificate of any deceased Grantor.", "account_type": "Trust-owned life insurance policies", "page": "11", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new Trust Certification listing all current trustees", "quote": "There is a change of trustee(s) to certify the list of all currently authorized trustees. ... I agree to inform PLIC in writing of any Trust amendments, changes of Trustee(s)", "account_type": "Trust-owned life insurance policies", "page": "12", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-principal", "institution": "Principal Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may be new or contingent owner of an individual life policy (Ownership Change Form DD 425-46); trust name, date and trustee names required", "quote": "By removing ownership and control of a life insurance policy from an estate, an ILIT can help protect your property ... Type of New Owner: Individual Trust ... Trust Name including date of Trust and Trustee(s) Name(s)", "account_type": "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)", "page": "web page", "source_url": "https://www.principal.com/individuals/insure/estate-planning-irrevocable-life-insurance-trusts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Principal's own Trustee Certification and Indemnification form (obtained by phone) or full trust", "quote": "If changing ownership to a Trust, please submit a copy of the complete, signed trust document or the Trust Certification and Indemnification form. Call us to obtain this form.", "account_type": "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD425&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "no", "detail": "full signed trust or the certification form", "quote": "please submit a copy of the complete, signed trust document or the Trust Certification and Indemnification form", "account_type": "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD425&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustee(s) sign with title for current and new trust owner", "quote": "Signatures Required for Change of Ownership for both current and new owner(s) ... Trustee(s). Title Required. ... New Owner Signature, include title if Corporate owned, or \"Trustee\" if Trust owned", "account_type": "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)", "page": "5", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD425&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust EIN (W-9 section)", "quote": "Other entities (businesses or trusts) MUST provide their Employer Identification Number.", "account_type": "Principal individual life insurance owned by an irrevocable life insurance trust (ILIT)", "page": "4", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD425&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-protective", "institution": "Protective Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Protective individual life policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may own the policy (application question; service forms)", "quote": "Will a trust, including family trust, own this policy? ... If the policy is trust owned, please send a full copy of the Certificate of Trust or the sections of the", "account_type": "Protective individual life policy owned by a trust", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "certification_accepted": { "value": "yes", "detail": "certificate of trust, or Protective's Trust Certification supplement at application", "quote": "please send a full copy of the Certificate of Trust or the sections of the ... If Yes, complete the \"Trust Certification\" (Application Supplement Part III)", "account_type": "Protective individual life policy owned by a trust", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "full_instrument_required": { "value": "no", "detail": "certificate of trust or listed sections", "quote": "please send a full copy of the Certificate of Trust or the sections of the", "account_type": "Protective individual life policy owned by a trust", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "pages_required": { "value": "yes", "detail": "title, trustee and successor trustee pages, trustee powers, pages on the life policy, signature page", "quote": "trust that indicate the title of the trust, pages that list that Trustee/C-Trustees/Successor Trustees, ... trustee rights, any pages pertaining to the Life Insurance policy and the signature page.", "account_type": "Protective individual life policy owned by a trust", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "trustee_signatures": { "value": "yes", "detail": "all applicable trustees sign", "quote": "All applicable Trustees must sign.", "account_type": "Protective individual life policy owned by a trust", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-sammons", "institution": "Sammons Financial Group (Midland National, North American)", "segment": "insurer", "account_group": "life", "account_types": [ "Midland National and North American life policy owned by a trust" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "new or transferred policies; no testamentary trust owners", "quote": "When submitting a new application owned by a trust ... Upon change of ownership of an existing policy to or from a trust ... Please be advised that a Testamentary Trust cannot be an Owner.", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "insurer's own form (North American L-3172A, Midland National 7519)", "quote": "Certification of Trust Agreement ... When submitting a new application owned by a trust", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "on request only", "quote": "Please be advised that the Insurer reserves the right to request and receive a copy of the Trust documents if it determines that it is necessary to do so.", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all, a majority or any trustee; corporate trustee resolution (O-2927 / 27096)", "quote": "The Trustee(s) certify that all documents pertaining to this Policy(ies) be signed by: (check one) ... For Corporate Trustees, you must submit a corporate resolution or Certificate of Business Signing Authority", "account_type": "Midland National and North American life policy owned by a trust", "page": "2", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "trust TIN asked", "quote": "Tax Identification Number: ... Trust governed by the state of:", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "successor trustees named in advance on the certification", "quote": "will rely upon the directions of the Trustees and any named Successor Trustee(s) identified in this form", "account_type": "Midland National and North American life policy owned by a trust", "page": "2", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "proof the trust is still in force may be required", "quote": "Before the insurer pays proceeds at the death of the Owner/Insured of the Policy(ies) it may also require proof that the Trust is then in full force and effect.", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "new certification or written notice of the change", "quote": "Upon change of trustee(s) of an existing policy owned by a trust ... receives at its Executive Office written notification of a change of Trustee", "account_type": "Midland National and North American life policy owned by a trust", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "life", "account_types": [ "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "trust may own a contract; the owning trust must be the sole primary beneficiary", "quote": "If a contract is owned by a trust, naming a beneficiary other than the trust may cause legal and/or tax issues. ... naming a beneficiary other than the trust owner as a sole primary beneficiary cannot be accepted.", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Thrivent Certification of Trust form 24143A", "quote": "No representative of Thrivent and its subsidiaries has authority to analyze trust documents or give advice when completing", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "all trustees in CA, ID, IA, MO, NE, NV, NJ, OR, else one; notary stamp when a trustee lives in ID, MI, MN, NE, NV, TN or VT", "quote": "When any currently acting trustee is a resident of California, Idaho, Iowa, Missouri, Nebraska, Nevada, New Jersey, or Oregon, all currently acting trustees must sign the Certification of Trust. In all other states, only one trustee's signature is required. ... Affix notary stamp here (required when", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_id": { "value": "yes", "detail": "name, SSN, address and date of birth of each acting trustee", "quote": "Identification of Currently Acting Trustee(s) - Complete for all currently acting trustee(s).", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "irrevocable trust EIN; revocable trust grantor SSN", "quote": "Irrevocable - Trust Employer Identification Number (EIN) ... Social Security number of grantor ... no account/contract will be accepted without a valid TIN", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "62", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_trustee_proof": { "value": "yes", "detail": "no proof of succession; Tennessee trustees list successor trustees", "quote": "I authorize Thrivent to rely upon the authority of one or more successors to act without proof of their succession", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "grantor_death": { "value": "yes", "detail": "notify Thrivent; if the owning revocable trust has ended and no beneficiary exists, proceeds go to the grantors", "quote": "Provide notification upon the death of any trust grantor(s) for revocable trusts in order for cost basis to be adjusted. ... If a revocable trust is the owner, and the trust is not in effect at the death of the Insured, and there is no living or existing beneficiary, the proceeds shall be paid to the designated grantor(s) equally", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_change": { "value": "yes", "detail": "trustee must notify Thrivent of changes (written revocation or amendment)", "quote": "I will promptly inform Thrivent of any changes in the representations contained in this certification", "account_type": "Trust-owned Thrivent life insurance contract (Certification of Trust 24143A)", "page": "64", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-transamerica", "institution": "Transamerica Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Trust-owned Transamerica Life policy" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, trust as policy owner", "quote": "TRUST-OWNED POLICIES: The complete name and date of the trust should be listed in Section 1.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Transamerica Trustee Certification Form (plus corporate resolution for a corporate trustee)", "quote": "A Trustee Certification Form and a copy of a Corporate Resolution, if applicable, for a corporate trustee, must be on file or included with this Beneficiary Change Form.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustees sign with their title as trustee", "quote": "Trustee(s) must sign in Section 4, and include their title as trustee(s). ... All policy owners must sign this Beneficiary Designation Form.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "transamerica-401k", "institution": "Transamerica Retirement Solutions", "segment": "recordkeeper", "account_group": "life", "account_types": [ "Trust-owned Transamerica Life policy" ], "florida": false, "fields": { "trust_account_offered": { "value": "yes", "detail": "yes, trust as policy owner", "quote": "TRUST-OWNED POLICIES: The complete name and date of the trust should be listed in Section 1.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "Transamerica Trustee Certification Form (plus corporate resolution for a corporate trustee)", "quote": "A Trustee Certification Form and a copy of a Corporate Resolution, if applicable, for a corporate trustee, must be on file or included with this Beneficiary Change Form.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "trustees sign with their title as trustee", "quote": "Trustee(s) must sign in Section 4, and include their title as trustee(s). ... All policy owners must sign this Beneficiary Designation Form.", "account_type": "Trust-owned Transamerica Life policy", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-nystrs", "institution": "New York State Teachers' Retirement System (NYSTRS)", "segment": "pension", "account_group": "pension", "account_types": [ "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)" ], "florida": false, "fields": { "trust_account_offered": { "value": "no", "detail": "benefit cannot be assigned; the monthly payment may go to a bank account titled to a revocable trust or an irrevocable trust solely for the member", "quote": "Education Law ยง524 provides that a member's benefit is unassignable. However, you may deposit your monthly pension benefit into a bank account titled to a trust provided the trust meets all of the following requirements ... The trust must be (1) revocable; or (2) irrevocable and solely for the member's benefit.", "account_type": "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)", "page": "web page", "source_url": "https://www.nystrs.org/library/publications/legal/trust-faqs/", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "certification_accepted": { "value": "yes", "detail": "NYSTRS form LEG-2 only; attorney-drafted certification refused", "quote": "Certification of Trust for Direct Deposit (LEG-2), signed by the current Trustee ... an attorney-drafted Certification of Trust is not acceptable for direct deposit to a trust.", "account_type": "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)", "page": "10", "source_url": "https://www.nystrs.org/getmedia/d9f2590a-f7ac-48e6-a7d8-f49d101d4660/legal_update.pdf", "form_number": "LEG-1", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "full_instrument_required": { "value": "yes", "detail": "complete trust copy required with LEG-2 and GRE-54", "quote": "A complete copy of your trust.", "account_type": "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)", "page": "10", "source_url": "https://www.nystrs.org/getmedia/d9f2590a-f7ac-48e6-a7d8-f49d101d4660/legal_update.pdf", "form_number": "LEG-1", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trustee_signatures": { "value": "yes", "detail": "current trustee signs LEG-2; member or agent signs GRE-54", "quote": "Certification of Trust for Direct Deposit (LEG-2), signed by the current Trustee", "account_type": "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)", "page": "10", "source_url": "https://www.nystrs.org/getmedia/d9f2590a-f7ac-48e6-a7d8-f49d101d4660/legal_update.pdf", "form_number": "LEG-1", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "tax_id": { "value": "yes", "detail": "member's SSN for trust and account, even for a joint trust", "quote": "The Tax ID for the trust and bank account must include the member's Social Security number and may not be solely the spouse's Social Security number.", "account_type": "NYSTRS pension benefit and trust (monthly benefit deposited to a trust-titled bank account)", "page": "web page", "source_url": "https://www.nystrs.org/library/publications/legal/trust-faqs/", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" } } } ] }