I have a savings and checking account in a bank. I have both in trust accounts, in case I die the money would go to my children. I am 68 yrs old. I have some stocks, and annuities. How can I protect the (Mostly) the SAVINGS account, so it cannot be attached by a lien, or lawsuit.

I assume that you, as trustee, are the only authorised person able to withdraw funds.

To avoid money being unncessarily tied up in long winded estate proceedings, sign an undated withdrawal slip. Tell your children that you have done this. Place the slip in a safe place (not with a lawyer or a bank or family friend). Tell only your children where you have hidden the slip.