Your best bet is to speak with the lawyer who wrote the trust. He/she can tell you exactly what your options are. Are you a trustee of the trust.? If not, perhaps your parents would like you to be now. I imagine that would give you access to the account you mention, as well as everything else in the trust. If they choose not to make you trustee until after they die, I am quite sure your attorney can write a POA that will give you access to funds in the checking account. A call to that lawyer to get the correct information is the way to go. Don't take the bank's word, my word, or anyone else's!!! Good luck.
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