What happens to your Dave accounts when you die
Covers 3 deposit, and 1 lending accounts — all transfer through probate
Dave Customer Support
Dave Inc., 1265 S Cochran Ave, Los Angeles, CA 90019
Dave Customer Support
Dave Inc., 1265 S Cochran Ave, Los Angeles, CA 90019
Customer Support (Death Claims) -- handled through general support; no dedicated estate services line
Coastal c/o Dave, 1265 S Cochran Ave, Los Angeles, CA 90019
Dave does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Dave accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Dave with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
Dave does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
Dave does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death. Dave is a financial technology company, not a bank. Its banking partner (Coastal Community Bank, Member FDIC, for new customers; Evolve Bank & Trust for legacy customers being migrated) provides FDIC-insured deposit accounts under the Dave platform, but trust account titling and beneficiary designations are not features supported by Dave. The Dave Deposit Agreement, Goals Account Agreement, and ExtraCash Terms all explicitly prohibit trust, joint, UTMA, and POD account ownership. Customers who require trust account capabilities should consider a traditional bank or credit union.
Dave Spending Account
No-fee spending account functioning as a checking account. Members with a Dave subscription (up to $5/month) earn 4.00% APY (variable); members without a subscription earn 0.01% APY. No overdraft fees, no minimum balance. Includes Dave Debit Mastercard with cashback rewards at select merchants. Get paid up to 2 days early with qualifying direct deposit. Dave Deposit Agreement explicitly states: "Your Dave Checking Account cannot be owned or titled as a joint account, trust account, a Uniform Transfers to Minors (UTMA) account or a Payable On Death (POD) account." FDIC insured up to $250,000 through Coastal Community Bank (new customers) or Evolve Bank & Trust (legacy customers being migrated). Account may only be owned in the name of one individual.
Dave Goals Account
Savings goal account. Per the Coastal Goals Account Agreement (last updated July 1, 2026), the contractual rate is 0.00% APY, though Dave has historically offered promotional rates up to 4.00% APY for paying members. No monthly fees, no opening deposit requirement, no minimum balance. The agreement explicitly states the account "cannot be owned or titled as a joint account, trust account, a Uniform Transfers to Minors (UTMA) account or a Payable On Death (POD) account" and "may only be owned in the name of one person." Funds held at Coastal Community Bank (new customers since Q2 2025) or Evolve Bank & Trust (legacy customers being migrated), FDIC insured up to $250,000.
Dave Debit Mastercard
Mastercard debit card linked to the Dave Spending Account. Every Checking account comes with a digital Dave Debit Mastercard for immediate use through Apple Pay or Google Pay, with a physical card available on request. Offers cashback rewards at select merchants. Fee-free withdrawals at 40,000+ MoneyPass ATMs. Card ownership follows the Spending Account -- no separate beneficiary or trust titling available. Card is automatically deactivated when the Spending Account is closed.
Sources
Data sourced from Dave primary sources (17 pages reviewed). How we research.
Download these Dave instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Dave primary sources. Bring it to the branch or keep it beside the phone.
Dave Customer Support
Dave Inc., 1265 S Cochran Ave, Los Angeles, CA 90019
Dave Customer Support
Dave Inc., 1265 S Cochran Ave, Los Angeles, CA 90019
Customer Support (Death Claims) -- handled through general support; no dedicated estate services line
Coastal c/o Dave, 1265 S Cochran Ave, Los Angeles, CA 90019
Estate planning articles
Learn how to protect your Dave accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreMore estate planning resources
Explore related tools and documents to complete your estate plan.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
How Much Does a Revocable Living Trust Cost?
Compare the cost of creating a revocable living trust. See how SimplyTrust, Trust & Will, LegalZoom, and attorneys compare over 5 years including life events.
How Much Does a Will Cost?
Compare the cost of creating a will. See document costs plus probate fees your heirs will pay. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys.
