What to do when a Juno account holder dies
Report the death to Juno's Synapse end-user reconciliation at 1-877-873-0008
Juno is no longer operatingNo longer operating, effective May 2025
Juno wound down its consumer platform. Banking and card services stopped working on May 11, 2024 (Synapse bankruptcy), and the Treasury Account -- the last Juno product still operating -- closed at 12:00 a.m. EST on May 12, 2025, which is the date recorded here because it is the only wind-down date Juno itself publishes. Juno's own shutdown letter on juno.finance ("A Final Goodbye from Team Juno") carries no date. The app at app.juno.finance is offline. Juno says it will continue to support account statement and account record requests at hello@juno.finance. Estate claims run through the CFPB, the California DFPI restitution, and state unclaimed property, not through Juno.
After an account holder at Juno 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 Juno's Synapse end-user reconciliation at 1-877-873-0008 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 Juno.
Death claim process
To file a claim after an account holder's death, here is what Juno requires:
Filing a claim
Required Documents
- The deceased person's May 2024 Juno account statement, or the balance Evolve records, as proof of a positive balance on May 17, 2024
- The deceased person's Evolve routing and account numberIt appeared on Juno statements and in the Account section of the Juno dashboard.
- Additional documentation to confirm a claim on the account, if the bank asks for it
What happens to each kind of account4
- Account in one name
Cash Account and Metal Account balances sat at Evolve Bank & Trust through Synapse. Juno holds none of the money and says it never did.1
Evolve's reconciliation FAQ lists "Juno/OnJuno" among the platforms not included in its distribution "on or about February 11, 2026 to certain End Users." Evolve says it cannot complete a full reconciliation because AMG, Lineage and American did not provide the data, and it will not commit to further distributions.2
- Payable-on-death account
Juno offered no payable-on-death, transfer-on-death, joint or beneficiary designation on any product, so whatever is recovered is an estate asset.1
- Investment account
The Treasury Account closed May 12, 2025, and funds could be withdrawn through the closure date. Anything left goes through Jiko's escheatment process, and Juno says a holder can still contact Jiko to claim it before escheatment.1
Accounts handled elsewhere3
- Evolve Bank & Trust
Held the Cash Account and Metal Account money through Synapse; answers questions about a specific balance2, 1
Phone: 1-877-873-0008
Email: info@reconciliationbyevolve.com
Hours: Monday-Friday 8:00 AM-5:00 PM CT (except major holidays)
- Jiko
Treasury Account statements, tax documents and funds held before escheatment1
Phone: 1-833-333-5456
Email: support@jiko.io
- Zero Hash LLC
Custodian of Juno Crypto Wallet assets1
Phone: 1-855-744-7333
Email: juno@zerohash.com
What Juno provides to the estate1
- Statement copies
Juno's shutdown letter says it will "continue to provide support for account statements and other account-related requests" at hello@juno.finance.1
California customers with a positive cash balance as of May 17, 2024 "should receive a letter and/or email from Juno containing your May 2024 account statement." If it had not arrived by July 10, 2026, contact hello@juno.finance.3
What Juno's agreement and guidance say4
- Telling the institution
Section 2.6.3 of the account agreement ("Death or Incapacitation") required prompt notice of the death. The bank could keep processing transactions until it was notified and had a reasonable opportunity to act.4
- Payments after the death
Even with knowledge of the death, the bank may "pay or process transactions on your Account executed on or before the date of death for up to ten (10) days after that date unless ordered to stop payment by someone claiming interest in the Account."4
- Dormant and unclaimed accounts
The agreement says at section 7.4 that "Tennessee laws will apply on unclaimed or abandoned property related to this Account," so a dormant Juno cash balance can escheat to Tennessee rather than the deceased person's home state. Tennessee's program is at claimittn.gov.4
- Which state governs the account
The account agreement is governed by Tennessee law (section 7.12).4
Sources4
Juno's Synapse end-user reconciliation can be reached by phone at 1-877-873-0008 and email at info@reconciliationbyevolve.com for questions throughout the claims process.
Sources
Show 2 more sourcesShow fewer sources
Data sourced from Juno primary sources (15 pages reviewed). How we research.
Juno death claims support
Synapse end-user reconciliation (Evolve Bank & Trust)
Phone
Jiko (Treasury Account statements, tax documents)
Zero Hash (crypto wallet custodian)
CFPB (civil penalty fund redress)
Federal Reserve Consumer Help (complaints)
Hours
Website
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