Who This Applies To
This article is for applicants who receive money from a formal trust or an estate.
Please note: a pension, 401(k), IRA, or ordinary savings and brokerage account is not a trust. If that describes your situation, choose “No income, relying on assets” instead and see Using Assets for Income Verification.
Two Ways Trust Money Can Be Counted
Regular distributions — if the trust pays you on a recurring schedule, this can be treated as income.
A balance you can draw on — if you hold funds in a trust but do not receive scheduled payments, this is treated as an asset.
You can provide documents for both if both apply to you.
If You Receive Regular Distributions
The most useful documents are:
A trust distribution statement or letter from the trustee showing your name, the payment amount, and the payment schedule, and
Proof you are receiving the payments — either recent bank statements showing the distributions arriving, or a bank connection.
Send what you have. We will let you know if anything further is needed.
If You Are Using the Trust Balance
Please provide a trust account statement that shows:
The account balance
That you are the beneficiary
Statements should be recent — within the last 2 months. Full details are in Using Assets for Income Verification.
How to Submit Your Documents
Open your Two Dots application using the link we sent you, or go to app.twodots.com.
Choose “Trust fund” from the income selection screen.
Select “Upload documents” and add your trust statement.
Document requirements
Upload the original PDF, downloaded directly from the institution holding the trust.
Do not open or re-save the file in another program before uploading it.
Please do not upload screenshots, scans, or photos — we are not able to verify those formats.
FAQs
The trust is not in my name — it is in the name of the trust itself. Is that a problem?
No, as long as the statement identifies you as the beneficiary.
Can a letter from my attorney or trustee be used on its own?
A trustee letter helps, but we will usually also ask for a statement or proof of the payments reaching you.
What if distributions vary from month to month?
Upload what you have. If the amounts vary, providing several months of statements gives the clearest picture.
Need Help?
If you are not sure what to send, email applicant.support@twodots.net with your name and property.