What to do when a Juno account holder dies
Contact Juno — 6-step process, 6 required documents, and open-ended. evolve had distributed roughly $24.7 million to end users as of the january 8, 2025 bankruptcy hearing and had not committed to a timeline for the rest. the cfpb allocated $46,248,291 on november 28, 2025, but the synapse case had not appeared on its payments by case list as of 2026-07-12, so the federal distribution has not started. california restitution was due within 60 days of the august 27, 2025 dfpi order; anything unclaimed escheats to the state controller, where it stays searchable indefinitely.
Brand change
Juno wound down its consumer platform. Banking and card services stopped working on May 11, 2024 (Synapse bankruptcy), the Treasury Account closed May 12, 2025, and Juno directed crypto holders to move their assets to an external wallet. The app at app.juno.finance is offline. Estate claims run through Evolve Bank & Trust, the CFPB, and state unclaimed property, not through Juno. Effective September 2025.
The procedures below reflect Juno's accounts. Account servicing may transfer as the change takes effect.
Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money)
Phone(877) 873-0008
Jiko (Treasury Account statements and tax documents)
CFPB (civil penalty fund redress)
Federal Reserve Consumer Help (complaints)
WebsiteNotify online→
Verified Jul 2026
After a Juno account holder 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 Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money) at (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. A certified death certificate is the primary document required to start any claim.
Death claim process
To file a claim after an account holder's death, here is what Juno requires:
Filing a claim
1
Start from the account type, because each one is settled by a different company -- Juno holds none of the money:
- Cash Account or Metal Account: the balance sat at Evolve Bank & Trust through Synapse. Recovery runs through Evolve, not Juno.
- Treasury Account: closed May 12, 2025. Funds were withdrawable through the closure date; statements and tax documents come from Jiko at support@jiko.io or 1-833-333-5456.
- Crypto Wallet: custodied by Zero Hash and wound down. If the decedent moved the crypto to an external wallet as Juno instructed, it is recoverable only with the seed phrase or private key.
2
For Cash Account funds, work the Evolve Bank & Trust reconciliation:
- Check the balance in the reconciliation portal at https://reconciliationbyevolve.com/ using the decedent's credentials or claim code
- Call Evolve's dedicated end-user line at (877) 873-0008, Monday-Friday 8:00 a.m. to 5:00 p.m. CT, to report the death and ask for the estate process
- Evolve's November 2024 distribution mailed a check to the address of record for anyone who did not select a payment method by December 4, 2024 -- if the decedent died before that date, check their mail and their estate bank deposits for an uncashed Evolve check
- Expect a certified death certificate plus Letters Testamentary or Letters of Administration; there was no POD designation to shortcut this
3
For a California decedent, pursue the DFPI-ordered restitution as a separate asset:
- The DFPI's August 27, 2025 Desist and Refrain Order requires CapitalJ, Inc. dba Juno to identify customers owed funds and pay restitution of the unpaid cash-management balances of California customers, by check mailed to the customer's last known address, within 60 days of the order
- A restitution check mailed to a decedent's last known address is easy to miss -- check their mail, and forward mail to the personal representative
- The order requires Juno to escheat unclaimed restitution to the California State Controller's Office, so search the state unclaimed property database at https://claimit.ca.gov/ in the decedent's name before assuming the money is gone
4
Track the federal redress channel, which is separate from anything Evolve pays:
- The CFPB sued Synapse (complaint filed August 21, 2025; stipulated final judgment entered September 12, 2025), imposing a $1 civil money penalty specifically so it could tap the civil penalty fund to redress harmed consumers
- The CFPB allocated $46,248,291 to Synapse-harmed consumers on November 28, 2025 (https://www.consumerfinance.gov/enforcement/payments-harmed-consumers/civil-penalty-fund/) against a recorded shortfall of $60 to $90 million
- Consumers do not apply; the CFPB identifies eligible people. As of 2026-07-12 the Synapse case is not yet on the CFPB Payments by Case list, so no distribution is open -- recheck that page, and keep the estate's address current with the CFPB at (855) 411-2372
5
Escalate where Juno cannot help, which is the posture Juno itself takes:
- Juno's own guidance for users still missing funds is to call Evolve, file with the Federal Reserve Consumer Help at https://www.federalreserveconsumerhelp.gov/ or 1-888-851-1920, and join the collective effort at fightforourfunds.org -- Juno states it has no visibility into the reconciliation
- Email Juno at hello@juno.finance for platform records; Juno warns response times vary and it never held customer funds
- Juno never had a branch and the app is offline, so there is nowhere to appear in person -- every step is phone, email, or portal
6
Because Juno offered no POD, TOD, or beneficiary designation on any product, whatever is recovered is an estate asset: expect to produce Letters Testamentary or Letters of Administration, or a state small estate affidavit where the recovered amount is under the state threshold.
Required Documents
- Certified death certificate
- Letters Testamentary or Letters of Administration (no POD designation existed on any Juno product)
- Government-issued photo ID for the personal representative
- Small estate affidavit, where the recovered amount is under the state threshold
- The decedent's Juno login credentials or Evolve claim code, to look the balance up at reconciliationbyevolve.com
- The decedent's Evolve routing and account number, which appeared on Juno statements
Claims Contact
What to know at this institution
Nothing here is a normal bank death claim. Juno never held customer funds and has no claims department; the money sits with Evolve Bank & Trust, and the recovery paths are (1) the Evolve reconciliation portal and its (877) 873-0008 line, (2) the CFPB civil penalty fund, and (3) for California decedents, DFPI-ordered restitution that escheats to the California State Controller if unclaimed. Two traps for a personal representative: a check mailed to the decedent's last known address (both Evolve's December 2024 default distribution and the DFPI restitution pay by mailed check), and crypto the decedent self-custodied on Juno's instruction, which no institution can recover without the seed phrase. Juno's help center was rewritten in March 2026 to describe its Cash Account and FDIC coverage in the past tense.
Expected timelines at Juno: Open-ended. Evolve had distributed roughly $24.7 million to end users as of the January 8, 2025 bankruptcy hearing and had not committed to a timeline for the rest. The CFPB allocated $46,248,291 on November 28, 2025, but the Synapse case had not appeared on its Payments by Case list as of 2026-07-12, so the federal distribution has not started. California restitution was due within 60 days of the August 27, 2025 DFPI order; anything unclaimed escheats to the State Controller, where it stays searchable indefinitely. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by Juno includes Certified death certificate, Letters Testamentary or Letters of Administration (no POD designation existed on any Juno product), and Government-issued photo ID for the personal representative, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Not Juno. Juno was never a bank and says it never held end-user funds. Cash Account and Metal Account balances sat at Evolve Bank & Trust through the middleware provider Synapse, so a personal representative works with Evolve: look the balance up at reconciliationbyevolve.com with the decedent's credentials or claim code, then call Evolve's end-user line at (877) 873-0008 (Monday-Friday 8:00 a.m. to 5:00 p.m. CT) to report the death. Treasury Account records come from Jiko (support@jiko.io, 1-833-333-5456). Crypto was custodied by Zero Hash and Juno told holders to move it to an external wallet. Juno itself has no phone line, no branch, and no claims department -- only hello@juno.finance.
Possibly. The California DFPI's Desist and Refrain Order against CapitalJ, Inc. dba Juno, dated August 27, 2025, orders Juno to identify customers owed funds and pay restitution of the unpaid cash-management balances of California customers -- by check mailed to the customer's last known address, within 60 days of the order. Two things follow for an estate. First, check the decedent's mail: a restitution check addressed to a person who has died is easy to lose. Second, the order requires Juno to escheat unclaimed restitution to the California State Controller's Office, so search the state unclaimed property database at claimit.ca.gov in the decedent's name. The DFPI found that at least 3,657 California consumers lost access to at least $6 million.
Juno's Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money) can be reached by phone at (877) 873-0008 for questions throughout the claims process.
Multiple Juno accounts may mean multiple claims. Some account types can be processed together, but others require their own documentation. Check with the Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money) to confirm what applies.
Sources
Data sourced from Juno primary sources (16 pages reviewed). How we research.
Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money)
Phone(877) 873-0008
Jiko (Treasury Account statements and tax documents)
CFPB (civil penalty fund redress)
Federal Reserve Consumer Help (complaints)
WebsiteNotify online→
Verified Jul 2026
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