I would not use the EIN of the trust if the account earns interest, dividends, etc. because the 1099 issued under the trust EIN might then require you to file a grantor trust return just so you can report the earnings on your 1040. however, if it's a non-earning bank account the trust EIN is fine. The same advice would apply if other earning assets are included in the trust. EIN = grantor trust if gross earnings over $5600 SSN = no grantor trust regardless of earnings.
