What to do when a Current account holder dies
Contact Current — 6-step process, 4 required documents, and varies. contact current support for estimated processing times.
Customer Support
217 Centre Street, #180, New York, NY 10013
Customer Support
217 Centre Street, #180, New York, NY 10013
Customer Support (no dedicated death-claims or estate unit; deceased-account matters are handled by general support)
217 Centre Street, #180, New York, NY 10013
What happens to Current accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with Current's Customer Support (no dedicated death-claims or estate unit; deceased-account matters are handled by general support) (888-851-1172) to claim the funds.
Before contacting Current, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Death claim process
Here is the step-by-step death claim process at Current:
Filing a claim
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the estate representative or next of kin
- Letters Testamentary or Letters of Administration (if going through probate)
- Small estate affidavit (where applicable by state law)
What to know at this institution
Current does not publish a formal estate-claims or bereavement process, a claims portal, or an estate-claims form. All death claims are handled through customer support (support@current.com / 888-851-1172) on a case-by-case basis. Current does not offer POD or TOD beneficiary designations, so account funds pass through the estate unless the account holder made other arrangements. Deposits sit at the partner bank (Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC); the estate may need to coordinate with the partner bank that holds the funds. Cryptocurrency holdings are custodied through Zero Hash LLC and may require separate coordination.
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 Current offer estate accounts? →Expected timelines at Current: Varies. Contact Current support for estimated processing times. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Current requires Certified copy of the death certificate, Government-issued photo ID for the estate representative or next of kin, Letters Testamentary or Letters of Administration (if going through probate), and Small estate affidavit (where applicable by state law) to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
No. Current does not offer Payable on Death (POD) or Transfer on Death (TOD) beneficiary designations, and there is no beneficiary field in the Current app or on the website. Because there is no beneficiary and Current accounts are individual accounts (no joint titling), the balance in a deceased member's account passes through the estate. An executor or administrator generally settles it with Letters Testamentary/Letters of Administration or, for a qualifying small estate, a state small-estate affidavit. To hold funds that pass outside probate, use a bank or brokerage that supports POD/TOD or trust titling.
Current is a financial technology company, not a bank. Per Current's legal disclaimers, banking services are provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC, and the Current Visa Debit Card is issued by Choice Financial Group and/or Cross River Bank. That matters for settling an estate because the deposit balance is legally held at the partner bank. To close a deceased member's account, start with Current support (support@current.com or 888-851-1172); Current coordinates with the partner bank that holds the funds. Current itself offers no POD/TOD beneficiary option, so the balance passes through the estate.
Current is app-only with no branches, so there is no location to visit. Report the death to Current customer support by email at support@current.com or by phone at 888-851-1172 (in-app chat is also available). Current does not publish a dedicated estate-claims form or bereavement department; deceased-account matters are handled by general support case by case. Expect to provide a certified copy of the death certificate, government-issued ID for the estate representative, and the deceased member's account information. Support coordinates with the partner bank that holds the deposit and explains the documents needed based on the estate.
Cryptocurrency on Current is custodied through Zero Hash LLC and Zero Hash Liquidity Services LLC. Contact Current customer support at 888-851-1172 or email support@current.com to report the death and ask about the process for crypto assets. Crypto assets are not FDIC insured and are not bank deposits, and there is no beneficiary designation on them. The estate representative may need to coordinate with both Current and Zero Hash depending on how assets are held.
Current is a financial technology company, not an FDIC-insured bank. Deposits are FDIC insured on a pass-through basis up to $250,000 per depositor at the partner bank holding the funds: Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. Pass-through coverage depends on the partner bank meeting FDIC recordkeeping conditions. Cryptocurrency assets held through Zero Hash are not FDIC insured and are not bank deposits.
Current's Customer Support (no dedicated death-claims or estate unit; deceased-account matters are handled by general support) can be reached by phone at 888-851-1172 and email at support@current.com for questions throughout the claims process.
When the deceased had multiple Current accounts, some may need separate claims while others can be handled together. The Customer Support (no dedicated death-claims or estate unit; deceased-account matters are handled by general support) can clarify what's needed for each account type.
Sources
Data sourced from Current primary sources (16 pages reviewed). How we research.
Customer Support
217 Centre Street, #180, New York, NY 10013
Customer Support
217 Centre Street, #180, New York, NY 10013
Customer Support (no dedicated death-claims or estate unit; deceased-account matters are handled by general support)
217 Centre Street, #180, New York, NY 10013
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