Answer:
If the trust is a revocable family trust (John or Cindy can revoke it at any time), IRS rules treat it as owned by the grantor(s). The Trust can use the SSAN of either of the grantors to open and maintain the account.
If the trust is a revocable family trust (John or Cindy can revoke it at any time), IRS rules treat it as owned by the grantor(s). The Trust can use the SSAN of either of the grantors to open and maintain the account.