What to do when a Bluevine account holder dies

A sole proprietorship is not a separate legal entity from its owner, so the Bluevine account is part of the deceased owner's estate. The executor or personal representative must call Bluevine at (888) 216-9619, provide a certified death certificate and Letters Testamentary or Letters of Administration, and request that the balance be released to the estate. Account access freezes upon notice of death. If state law allows a small estate affidavit, that document may substitute for Letters in some jurisdictions.

For an LLC or corporation, the Bluevine account belongs to the entity, not the deceased owner personally. Succession is governed by the LLC operating agreement, corporate bylaws, or shareholder agreement -- not by the deceased owner's will or trust unless the underlying ownership interest has been assigned to a trust. The surviving members, shareholders, or successor managers retain access to the account; Bluevine will require updated authorized-signer documentation and a death certificate. The deceased owner's ownership interest passes through their estate or their revocable trust if the interest was previously assigned to it.

Bluevine's line of credit (issued by Celtic Bank) and Bluevine Business Cashback Mastercard typically require a personal guaranty from the business owner. Upon the guarantor's death, the outstanding balance generally becomes due and is treated as a claim against the deceased's estate, subject to the loan or cardmember agreement and applicable state law. The business entity itself may still be obligated on the debt if it survives the owner. Call Bluevine at (888) 216-9619 to confirm payoff requirements and submit required documentation.