What to do when a Mission Lane account holder dies
Report the death to Mission Lane Customer Service at 1-855-790-8860
Mission Lane balances do not pass to anyone at death — they are settled. The executor reports the death to Mission Lane Customer Service (1-855-790-8860), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Before contacting Mission Lane, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
Here is the step-by-step death claim process at Mission Lane:
Filing a claim
- 1-855-790-8860 is also the number on the back of the card
- Include the 16-digit account number so the notice can be matched to the account
- If "Credit Protection" appeared on the card image in the Mission Lane app, the plan was active
Required Documents
- Death certificateA copy, for the deceased cardholder.
- Letters Testamentary or Letters of Administration, as proof of authority over the estate
- Small estate affidavit, in place of court letters, where the estate qualifies
- The 16-digit Mission Lane credit-card account number
- Any further "legal documents we require", for a Mission Lane Secured Visa, before the Security Account funds are releasedAsk for that list in writing when you report the death.
What happens to each kind of account2
- Credit card
The cardholder agreements list the cardholder being "declared incompetent, incapacitated, or deceased" under Default. Mission Lane may then require immediate payment of the total balance, close or suspend the account, keep charging interest and fees while a balance remains, and pursue collection.1
On a Mission Lane Secured Visa, "In the event of your death, we will not release Funds on deposit unless all Obligations have been repaid and all legal documents we require are delivered to us."2
Mission Lane does not offer joint accounts or authorized users, so nobody but the deceased is on the account and no one can keep using the card.3
An unsecured Gold Line, Silver Line or Green Line Visa leaves the estate nothing to recover, only a balance to settle. A Secured Visa also has a refundable deposit; excess Security Account funds are generally returned within ten days after the end of the second billing period after the funds are applied to the balance.3
- Stored balance
Mission Lane has no deposit or debit account to claim. The Mission Money debit program, issued by Sutton Bank, closed on 8/31/2023, and remaining balances were mailed as checks to the address on file by 10/25/2023.3
Accounts handled elsewhere3
- Transportation Alliance Bank, Inc. dba TAB Bank
Issues Mission Lane Visa cards, which Mission Lane LLC services. The issuing bank is named on the back of the card.1
- WebBank
Issues Mission Lane Visa cards, which Mission Lane LLC services. The issuing bank is named on the back of the card.1
- Mission Money account support
The closed Mission Money debit program, issued by Sutton Bank.3
Phone: 1-855-791-2488
What Mission Lane's agreement and guidance say1
- Who can get account information
Mission Lane will not discuss account information with anyone other than the cardholder without documentation of authority. The estate representative's documentation is the Letters or a qualifying small estate affidavit.3
Mission Lane's Consent and Authorization Form is signed by the cardholder to authorize a third party, such as a debt-relief agency, during the cardholder's lifetime. It cannot be executed after death and is not a way for an estate to get account information.4
Not in Mission Lane's published guidance3
- A procedure for reporting a death
- A claim form
- How long a claim takes
Sources4
- 1.Cardholder Agreements
- 2.The Mission Lane Secured Visa Credit Card issued by Transportation Alliance Bank, Inc. dba TAB Bank
- 3.Contact Us
- 4.Consent and Authorization Form
Mission Lane Customer Service can be reached by phone at 1-855-790-8860 and email at support@missionlane.com for questions throughout the claims process.
Sources
Data sourced from Mission Lane primary sources (15 pages reviewed). How we research.
Mission Lane death claims support
Mission Lane Customer Service
Phone
Credit Protection Customer Care Center
Hours
Mailing address
Website
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