Your “banker” has absolutely NO BUSINESS giving you estate planning advice! The whole idea of the trust is that the successor trustee can act if the other trustee is INCAPACITATED! So if your husband had a stroke and you needed access to the cash in that joint-name CD, you would have to get a court order to get at the money. You only get it outright if the co-owner dies!
Smoke is coming out of my ears that your banker (probably a low-level clerk at some bank) would have the audacity to make this suggestion. If you’ll send me his/her name and the bank office where he/she works, I will be happy to write to the branch manager and get that person fired!