Guide · Documents
EIN for an estate
Why the estate needs its own tax ID, how to apply online with the IRS, and where you will use the EIN during probate.
An estate is a separate taxpayer once probate opens. Apply for an Employer Identification Number with the IRS using Form SS-4, either online in fifteen minutes or by fax in about four business days. Use the EIN on the estate bank account, the final 1040, and Form 1041 for estate income.
Step by step
Confirm you need one
Any estate that earns income after death, opens a bank account, or files Form 1041 needs an EIN. Most probate estates qualify.
Gather the basics
Decedent's full legal name, Social Security number, date of death, your name and SSN as executor, and the estate's address.
Apply online
Use the IRS EIN Assistant at IRS.gov. The online application issues the EIN in about fifteen minutes, only between 7 AM and 10 PM ET.
Save the confirmation letter
Download and save the CP 575 confirmation. Banks, brokerages, and the IRS will ask for it.
Open the estate bank account
Take the EIN, letters testamentary, and a death certificate to the bank to open the estate account in the estate's name, not yours.
Common questions
Can I use the deceased's Social Security number?
No. The SSN is closed at death. The estate is a separate taxpayer and needs its own EIN for any income earned after death.
What if I do not have letters testamentary yet?
You can still apply for the EIN as the responsible party. The IRS does not require letters at the application stage.