• Do I need to notarize my certification of trust?
  Yes, all certificates of trust must be signed in the presense of a notary prior to mailing to Citizens Access.
• Which Citizens Access accounts can be converted to a trust?
  Any Citizens Access account can be converted into a trust. However, individual or joint accounts where beneficiaries have been assigned are not eligible to be converted to a formal trust. If you would like to convert your account to a formal trust, please call us at 1-888-201-6505 to bring all beneficiary allocations to 0%.
• How do I assign account ownership to my trust?

  The following steps are needed to convert your account to a trust account:

  1. Ensure all trustees are account owners for the trust.  Citizens Access supports up to two trustees.
  2.  Ensure accounts you wish to convert are eligible (e.g., please contact us at 1-888-201-6505 to bring all beneficiary allocations to 0% before proceeding)
  3.  Based on the type of trust you hold, download either the "Certificate of Trust for Revocable Trust" or "Certificate of Trust for Irrevocable Trust".  The documents can be found at the bottom of this page.

  4.  The certificate of trust will be in PDF format and can either be completed electronically or printed out and completed by hand.  You will need to provide:

  Trust Basics:  Trust Name, Date of Trust, State of Establishment
  Trust Details:  Trust Tax ID and information on Trust Grantors including their Power to Revoke (if applicable)
  5.  Your certificate of trust will need to be signed in the presence of a notary and then mailed to:

  Citizens Access
  PO Box 71209
  Philadelphia, PA 19176-6209

  Once we receive your certificate and complete your trust conversion, you will receive an email confirmation.  We will notify you if any additional information is required.
  We encourage you to consult your financial or legal advisors before re-titling an account into a trust.

• Can I add another account to an established trust?

  Yes, to add another Citizens Access account to your established trust, you can call us at 888-201-6505.

  Please note you will be asked to verify the accuracy of some details of your existing trust and, if key information pertaining to the trust have changed, you may be asked to complete a new certificate of trust.

• Who do I contact to notify Citizens Access about the death of a Trustee and/or Grantor?
  We realize this is a difficult time, please contact us at 888-201-6505 so we can help guide you through the next steps.
• How do I send you a copy of my notarized trust certificate?

  All complete, accurate, and notarized certificates of trust must be mailed to:

  Citizens Access
  PO Box 71209
  Philadelphia, PA 19176-6209

• Are the funds of my trust FDIC insured?
  Yes, your Citizens Access accounts are FDIC insured up to the maximum allowed by law. Citizens Access and Citizens Bank, N.A. are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits, under the FDIC certificate #57957. For more information about your own personal level of coverage, please visit the FDIC's Electronic Deposit Insurance Estimator (EDIE).
• How do I add / remove trustees on a Citizens Access account held in the name of a Trust?

  Once a Citizens Access account is converted into a trust, you will not be able to add or remove trustees.  However, you can take the following steps:
  1.  Open a new account with the updated Trustees as listed in the revised Trust Agreement
  2.  Based on the type of trust you hold, download either the "Certificate of Trust for Revocable Trust" or "Certificate of Trust for Irrevocable Trust".  The documents can be found at the bottom of this page

  3.  The certificate of trust will be in PDF format and can either be completed electronically or printed out and completed by hand.  You will need to provide:

  Trust Basics:  Trust Name, Date of Trust, State of Establishment
  Trust Details:  Trust Tax ID and information on Trust Grantors including their Power to Revoke (if applicable)
  4.  Your certificate of trust will need to be signed in the presence of a notary and then mailed to:

  Citizens Access
  PO Box 71209
  Philadelphia, PA 19176-6209

  5.  Once we receive your certificate and complete your trust conversion, you will receive an email confirmation.  We will notify you if any additional information is required.
  6.  The trustee that is listed on both accounts can then transfer funds from the original trust account into the updated trust account.

Have more questions? Get more answers in our full FAQs section.