What to do when a Albert account holder dies
Contact Albert — 8-step process, 5 required documents, and not published. because albert is a servicer and the funds sit at partner institutions (sutton bank, stride bank, n.a., wells fargo, n.a., apex clearing), release can take longer than a single-charter bank; the agreements only commit albert to acting after it has notice and "a reasonable opportunity to act."
Albert Customer Support
Albert, 440 N Barranca Ave #3801, Covina, CA 91723 (customer service address printed in the Albert Cash Account Agreement; not a claims department)
Albert Customer Support
Albert, 440 N Barranca Ave #3801, Covina, CA 91723 (customer service address printed in the Albert Cash Account Agreement; not a claims department)
Albert Customer Support — no dedicated estate or death-claims department exists
After an account holder at Albert dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Albert's Albert Customer Support — no dedicated estate or death-claims department exists at (844) 891-9309 with the proper legal authority documents.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Albert. A certified death certificate is the primary document required to start any claim.
Death claim process
Follow these steps to file a death claim with Albert:
Filing a claim
- Emailing support@albert.com from an address you can be reached at (the ticket thread is the paper trail)
- Texting Albert at 639-37 (63937), the number named in the Deposit Account Agreement
- Using the in-app Help flow if you have access to the decedent's phone: profile tab, then the menu icon, then Help (https://help.albert.com/hc/en-us)
- Calling (844) 891-9309 — this line plays support options and takes voicemail; it does not reach a live estate representative
- A certified copy of the death certificate
- Letters Testamentary or Letters of Administration naming you as personal representative
- Or, for a small estate, the affidavit your state allows in place of Letters (Albert has no separate small-estate form of its own)
- Your government-issued photo ID
Required Documents
- Certified copy of the death certificate
- Letters Testamentary or Letters of Administration (or the state small-estate affidavit that stands in for them)
- Government-issued photo ID for the personal representative
- The decedent's account identifiers (name, account email, phone number, last four of the card)
- For the Investing account: written notice terminating the Albert Investments Portfolio Management Agreement, signed by the executor or authorized representative
What to know at this institution
Albert is the one common consumer money app where NO probate-avoidance path exists: the Cash Account Agreement removes beneficiary designation ("you do not have the ability to designate any beneficiaries"), the Deposit Account Agreement removes POD/ITF titling and joint ownership, and the Investing account carries no TOD registration. Every dollar at Albert is therefore an estate asset. There is also no branch, no fax, and no published claims mailing address — the entire claim runs through the support ticket, so keep it in writing.
Opening an account for the estate itself
Checks made out to the estate deposit into an account titled to the estate, opened by the appointed executor or administrator under the estate's EIN.
Does Albert offer estate accounts? →How long the process takes at Albert: Not published. Because Albert is a servicer and the funds sit at partner institutions (Sutton Bank, Stride Bank, N.A., Wells Fargo, N.A., Apex Clearing), release can take longer than a single-charter bank; the agreements only commit Albert to acting after it has notice and "a reasonable opportunity to act.". The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Albert includes Certified copy of the death certificate, Letters Testamentary or Letters of Administration (or the state small-estate affidavit that stands in for them), and Government-issued photo ID for the personal representative, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
No. Albert's Deposit Account Agreement states that "The Account cannot be owned or titled jointly, by an organization, as Payable on Death (POD) or In Trust For (ITF)," and the Albert Cash Account Agreement states that "you do not have the ability to designate any beneficiaries, including in the event of your death. This means that if you die the funds in your Account will become part of your estate." Most banks let you add a POD beneficiary for free and skip probate on that account. Albert does not offer that option at all, so money left at Albert is money your executor has to claim through the estate.
No. Albert Investing is a brokerage account through Albert Securities, LLC (Member FINRA/SIPC) cleared by Apex Clearing Corporation, and the app offers no TOD beneficiary registration. The Albert Investments Portfolio Management Agreement handles death this way instead: "A Client's death, disability or incompetence will not automatically terminate or change the terms of this Agreement. However, your executor, guardian, attorney-in-fact or other authorized representative may terminate this Agreement by giving us proper written notice." Until that written notice is received and acted on, the portfolio keeps operating, and the estate remains liable for transactions made before then.
In writing, through support. Email support@albert.com, text 639-37, or use the in-app Help flow (profile tab, menu icon, Help), which starts with a virtual assistant and transfers to a live agent over text or email. The published number, (844) 891-9309, plays support options and takes voicemail — it is not an estate-claims desk. Albert publishes no branch address, no claims fax, and no claims mailing address, so the support ticket is the claim file: state the death, give the name and account email, ask that transactions be stopped, and attach the death certificate and your Letters Testamentary or Letters of Administration.
Yes, until it is notified and has had time to act. The Deposit Account Agreement says Albert "will continue to accept deposits and process transaction instructions into and from your Account" until it is (a) notified of the death and (b) has "a reasonable opportunity to act," and that even with knowledge of the death it may process transactions dated on or before the date of death "unless ordered to stop payment by someone claiming interest in the Account." The Albert subscription (up to $39.99 a month) also auto-renews until the account is closed. So the first message to support should do three things at once: report the death, order transactions stopped as a person claiming an interest in the account, and ask that the subscription be cancelled and the account closed.
Albert's Albert Customer Support — no dedicated estate or death-claims department exists can be reached by phone at (844) 891-9309 and email at support@albert.com for questions throughout the claims process.
Sources
Data sourced from Albert primary sources (15 pages reviewed). How we research.
Albert Customer Support
Albert, 440 N Barranca Ave #3801, Covina, CA 91723 (customer service address printed in the Albert Cash Account Agreement; not a claims department)
Albert Customer Support
Albert, 440 N Barranca Ave #3801, Covina, CA 91723 (customer service address printed in the Albert Cash Account Agreement; not a claims department)
Albert Customer Support — no dedicated estate or death-claims department exists
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