What to do when a Albert account holder dies
Contact Albert — 6-step process, 4 required documents, and varies; expect longer processing times than traditional banks due to fintech intermediary structure
Albert Customer Support (no dedicated estate/death claims department)
Phone(844) 891-9309
Emailsupport@albert.com
WebsiteNotify online→
Verified Apr 2026
After a Albert account holder 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/death claims department) at (844) 891-9309 with the proper legal authority documents.
Claims can be filed by phone ((844) 891-9309) or by emailing documentation to support@albert.com. Before reaching out, gather the account holder's full name, account numbers, and a certified death certificate.
Death claim process
Follow these steps to file a death claim with Albert:
Filing a claim
1
Contact Albert customer support to report the account holder's death:
- Call (844) 891-9309 to leave a voicemail
- Email support@albert.com
- Text 63937
- Use the in-app chat if you have access to the account holder's device
2
Provide the deceased account holder's full legal name and any account identifiers
3
Submit a certified copy of the death certificate
4
Provide documentation establishing your legal authority:
- Letters Testamentary or Letters of Administration from probate court
- Small Estate Affidavit (if applicable under state law)
- Court order or other legal documentation as required
5
Albert support will coordinate with partner banks (Sutton Bank, Stride Bank, N.A.) and Albert Securities as applicable to process the claim
6
Expect delays as Albert is a fintech intermediary and claims may need to be processed through multiple partner institutions
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the authorized representative
- Letters Testamentary or Letters of Administration from probate court
- Small Estate Affidavit (if applicable under state law)
Albert does not have physical branches, so all death claims must be handled through email, phone, or in-app support. Because Albert uses multiple partner banks for different products (Sutton Bank or Stride Bank, N.A. for the Cash account; Coastal Community Bank, Axos Bank, and Wells Fargo for savings), the estate may need to coordinate with multiple institutions. Investment accounts held through Albert Securities, LLC (FINRA/SIPC member) with clearing by Apex Clearing Corp follow separate claim procedures. Without POD/TOD designations, all accounts will likely require probate or a small estate affidavit for distribution.
How long the process takes at Albert: Varies; expect longer processing times than traditional banks due to fintech intermediary structure. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
To process a claim, Albert needs Certified copy of the death certificate, Government-issued photo ID for the authorized representative, Letters Testamentary or Letters of Administration from probate court, and Small Estate Affidavit (if applicable under state law). Death certificates and court documents must be certified copies—photocopies are not accepted.
Frequently asked questions
No. Per Albert's Deposit Account Agreement, each account may only be owned and titled in the name of one person. Albert does not offer joint accounts, joint tenancy with right of survivorship, or any form of shared account ownership. The Family subscription plan allows up to 4 family members to have their own separate Albert accounts, but does not create shared ownership of funds.
No. Per the Albert Deposit Account Agreement, accounts cannot be owned or titled as Payable on Death (POD) or In Trust For (ITF). You do not have the ability to designate any beneficiaries, including in the event of your death. Funds in your Albert account will become part of your estate upon death.
Because Albert does not support POD/TOD beneficiary designations or trust retitling, funds in all Albert accounts (Cash, Savings, and Investing) become part of your estate upon death. Your executor or personal representative will need to go through probate or use a small estate affidavit (if applicable under state law) to claim the funds. Contact Albert support at support@albert.com or (844) 891-9309 to initiate the process.
No. Albert Investing accounts held through Albert Securities, LLC (with clearing by Apex Clearing Corp) do not currently offer TOD beneficiary designations through the app. Investment account assets will become part of your estate upon death and require probate or a small estate affidavit for distribution.
Albert's Albert Customer Support (no dedicated estate/death claims department) can be reached by phone at (844) 891-9309 and email at support@albert.com for questions throughout the claims process.
Albert Customer Support (no dedicated estate/death claims department)
Phone(844) 891-9309
Emailsupport@albert.com
WebsiteNotify online→
Verified Apr 2026
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