Our custodial and agency service accounts provide a full range of services to save you time while allowing you to retain complete management control of your portfolio.

• Bill Payment Services
• Provide safekeeping for your securities
• Execute your buy and sell orders
• Collect investment income, disburse, or reinvest income as you direct
• Maintain accurate records of your account
• Prepare periodic accounting statement listing details of all transactions
• Supply  the information needed to prepare your income tax return

It takes specialized help to end your financial life because property is involved.  Successfully transferring your assets, as you wish, requires both a will and a skilled personal representative.

Through our estate settlement service, we administer your estate and take it through the complexities of probate.  Our estate experience lets us settle your estate without necessary delay and disruption for your heirs.

• Arranging for probate
• Collecting, inventorying, valuing and protecting your assets
• Managing your assets during the estate administration period
• Accurate record keeping
• Paying estate taxes, expenses, and debts
• Preparing and filing income and estate tax returns
• Distributing estate asset to beneficiaries
• Most importantly, following YOUR DIRECTIONS IN YOUR WILL

In some situations, the courts may appoint a guardian for a child, or when an adult becomes too ill to manage financial affairs.  Bay Bank & Trust Co.'s Trust Team has in-depth experience in managing guardianships, and our team is committed to offering the personal service needed for these special situations.

Our Trust Team offers expert management services to people who wish to open an IRA account, or to consolidate or rollover their tax-deferred retirement assets in an IRA.

Special needs call for special solutions.  A trust can be your special tool that lets us help you reach goals such as: