What happens to your Juno accounts when you die
Covers 2 deposit, 1 investment, and 1 crypto accounts — all transfer through probate
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)
Juno does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Juno accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Juno with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
Juno 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
Juno 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.
Juno Cash Account
DISCONTINUED. A checking-style cash account carrying an Evolve Bank & Trust routing and account number, held through Synapse For-Benefit-Of accounts (converted from a deposit account to a Synapse "cash management" brokerage structure around October 2023 without customer action). Card transactions, ATM withdrawals, ACH transfers, and wire transfers all stopped on May 11, 2024, and direct deposits are returned to the source. Juno offered no POD or beneficiary designation on this account, so a decedent's remaining balance is an estate asset recovered from Evolve, not a designated transfer.
Juno Metal Account
DISCONTINUED. The premium tier of the Cash Account. It sat in the same Synapse / Evolve Bank & Trust structure and was frozen by the same May 11, 2024 disruption. No POD or beneficiary designation was ever available.
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)
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