We have a request to open a trust account where there are 3 trustees but one of them is in the hospital and unable to sign docs at this time. According to the Branch Manager, the Trust document states that the trustees can act independently of each other. Would you open the account assuming the trust really does allow the trustees to act independently? Has anyone ever opened an account when not all trustees are available did you take any additional steps?

If you are confident that you are operating within the limitations of the trust document then yes. However, if there is any doubt at all then I would have a competent person familiar with your state's trust laws review the document.

The one in the hospital is unable to sign docs? or unable to come into the branch to sign docs?

If you can collect a signature at the hospital, then I'd get a Trust Certificate executed. A trust certificate more or less puts the onus on the trustees to define the trust and their capacity to act.

If not, then you need to have the attorney review the trust agreement to see what it says and see if it addresses replacing a trustee.