What to do when a GO2bank account holder dies
Report the death to GO2bank's General Customer Support at 1-855-459-1334
After an account holder at GO2bank 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 GO2bank's General Customer Support at 1-855-459-1334 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 GO2bank.
Death claim process
To file a claim after an account holder's death, here is what GO2bank requires:
Filing a claim
- GO2bank has no branches and no online claims portal. Estate calls are handled by general customer support
- State that the accountholder has died and ask where estate documents should be sent
- GO2bank's self-service account-closure flow sits inside the app and website behind the accountholder's own login, which is not a path for an executor
Required Documents
- Certified copy of the death certificate
- Letters Testamentary or Letters of AdministrationA GO2bank account carries no payable-on-death beneficiary and no joint owner, so authority comes from the estate.
- Government-issued photo ID, for the personal representative
- Small estate affidavit, if the estate qualifies under the decedent's state law and GO2bank accepts it as proof satisfactory to it of the claimant's rightConfirm on the call before mailing.
- Letter of instruction, when sending documents by mailIdentifies the decedent, the account (last four digits of the card, if known), the date of death and the personal representative, with a mailing address for the payout check.
What happens to each kind of account2
- Account in one name
The Deposit Account Agreement has no payable-on-death, joint-ownership or survivorship provision, and GO2bank issues no second card on an account, so authority to collect the balance comes entirely from the estate.1, 2
Savings vault balances are part of the same Account and settle with it; they cannot be claimed separately. Vault transfers can be made only in the mobile app (Section 7.c).1
- Credit card
Death is an Event of Default on the secured credit card ("you die", Section 11(a)(iv)), and GO2bank may declare the balance immediately due without prior notice. The cardholder's obligations "will be binding upon your estate and personal representatives" (Section 22).3
GO2bank applies the Security Deposit Account (minimum $100) to the card balance. Any residue is returned by transfer to the GO2bank account or by check to the address on file; GO2bank may hold it up to 60 days after payoff and closure, and refunds $1.00 or less only on written request.3
What GO2bank's agreement and guidance say8
- What it does when notified
Under Section 15.h, "Death or Adjudication of Incompetence", GO2bank may freeze all or part of the Account when an accountholder dies, pending proof satisfactory to it of each person's right to the funds.1
- Deposits after the death
When an accountholder dies, GO2bank may freeze, offset, refuse or reverse deposits and transactions, "e.g., governmental or retirement benefit payments payable to the deceased" (Section 15.h).1
- Disputes between claimants
Under Section 15.d, "Conflicting Demands/Disputes", GO2bank may freeze the Account and refuse transactions "until we receive written proof (in form and substance satisfactory to us) of each person's right and authority over the Account and its funds."1
It may also require the signatures of all authorized signers for any withdrawal, closure or change, and may "request instructions from a court of competent jurisdiction at your expense."1
- Debts owed to the institution
Under Section 9.c the accountholder is "fully liable for the amount of any negative balance" from overdraft protection, payable immediately. GO2bank may close the Account if it is not cured within 60 days, pursue collections, and offset it with later deposits and Savings Account funds.1
- Payments after the death
Preauthorized transfers out of the account can be stopped by calling or writing to Customer Care at least three business days before the payment is scheduled.2
- How proceeds are paid
On closure GO2bank may send a check for the balance to the last address on file, and may refuse to return an unused balance under $1.00 (Section 15.u).1
GO2bank's account-closure article says a refund check is sent to the address on file within 14 days of closing the account.4
- Dormant and unclaimed accounts
If the account is never claimed, dormant funds are escheated to the state under unclaimed property law and must then be claimed from the state (Section 15.m).1
If a security-deposit refund check is returned undeliverable or GO2bank cannot locate the cardholder, it holds the funds until contacted or until it must remit them to a state under unclaimed property law (Section 37(e)).3
- Which state governs the account
The account is governed by Utah law.2
Not in GO2bank's published guidance4
- A procedure for reporting a death
- A department for deceased-customer accounts
- A mailing address for claim documents
- How long a claim takes
GO2bank's General Customer Support can be reached by phone at 1-855-459-1334 for questions throughout the claims process.
Sources
Data sourced from GO2bank primary sources (15 pages reviewed). How we research.
GO2bank death claims support
General Customer Support
Phone
Toll-free
Hours
Mailing address
Website
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