Estate planning as a Walmart+ account holder

Walmart+ is Walmart's paid, auto-renewing membership subscription, tied to a single Walmart.com account. Walmart publishes the fee as $98 per year or $12.95 per month plus applicable tax, charged to the payment method saved in the account until someone cancels. Benefits include free delivery and shipping, fuel savings, Scan & Go, and a bundled ad-supported streaming subscription (Paramount+ or Peacock, one chosen every 90 days). The same Walmart.com account also holds a Walmart Cash balance, which is redeemable on purchases and cashable out in store once it reaches $25. For estate purposes the two behave differently: the subscription is non-transferable, keeps billing after death, and is the urgent thing to stop; the Walmart Cash terms state the balance "cannot be divided as part of a settlement, legal proceeding or death."

Walmart+ rewards are forfeited at death under the program's terms. The terms explicitly state that rewards are not the account holder's property and cannot be inherited, transferred by will, or assigned through any estate planning mechanism.

What happens at death

Neither the Walmart+ membership nor the stored Walmart Cash balance passes to heirs. Walmart+ Terms of Use § 1.6 (Other Limitations) states "You may not transfer or assign your Walmart+ Membership or any Walmart+ Benefits," and the membership "is for personal, non-commercial use only." The stored balance is governed by the Terms of Use for the Walmart Cash Program, § 1.5 of which states that Walmart Cash "is non-transferable and non-assignable, cannot be brokered, bartered or sold, and cannot be divided as part of a settlement, legal proceeding or death, or combined with Walmart Cash of any other participant in the program," and that "Walmart Cash does not expire, but customers must have a Walmart.com account in good standing to both obtain and redeem Walmart Cash." Cashing out is separately identity-gated in a way a survivor cannot satisfy: the cash-out is issued as a single-use Loyalty Digital Code, and "To redeem your Loyalty Digital Code, you must provide a valid, government-issued photo identification to the Walmart Money Center associate within three (3) hours of issuance. The identification that you provide must match the profile that you created with Walmart." The terms add that "Until successfully redeemed by you, any funds on the Loyalty Digital Codes remain the property of Walmart." The subscription side is the part that actively costs the estate money: Walmart+ auto-renews and charges the payment method on file "WITHOUT FURTHER NOTICE TO YOU ... UNLESS AND UNTIL YOU CANCEL," and cancelling produces no refund — the Walmart+ Billing and Payments article states "We're not able to offer refunds on Walmart+," while § 1.1 provides that on cancellation "you can continue to use your Walmart+ Membership and any such Plus Up Benefit until the end of your relevant term." Walmart publishes no deceased-member transfer or claims process for either the membership or the balance.

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