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Personal Trust Services

  1. Estate Planning - As a member of your professional team, we work with your attorney to develop and implement an estate plan that meets your needs.
  2. Trustee - PB&T Bank offers professional management of various trusts including living trusts, trusts under will, and life insurance trusts to meet the needs of the trustor and beneficiaries.
  3. Personal Representative - As a professional and disinterested party, we can efficiently settle your estate.
  4. Conservator - We put our experience and objectivity to work toward the needs of minors or other persons unable to properly handle their financial affairs.
  5. Custodial - We will house your assets in an account, collect the dividends and interest payments, settle trades, update your securities with any ownership changes and prepare a statement at year end.

Investment Products:

  • Not FDIC Insured
  • No Bank Guarantee
  • May Lose Value

Deposit Insurance:

Bank deposits held in your accounts in the Trust Department are covered by FDIC insurance subject to coverage limits. FDIC insurance does not cover other financial products, such as: stocks, bond, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000.

FDIC deposit insurance coverage is available up to $250,000 for the non-contingent, ascertainable interest of each beneficiary in an irrevocable trust and each plan participant in a directed employee benefit plan account, such as a 401(k). For revocable trust accounts, the limit is $250,000 per owner per beneficiary up to five beneficiaries (more coverage available with six or more beneficiaries subject to specific limitations and requirements). Certain retirement accounts (including IRAs, self-directed defined contribution plans) have a separate $250,000 per owner FDIC insurance coverage limit. This insurance coverage is separate from the coverage on your checking, savings, money market deposit and certificate of deposit accounts held at PB&T Bank.


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