What to do when a MoneyLion account holder dies
Contact MoneyLion — 5-step process, 5 required documents, and moneylion publishes no death-claim timeline. the help center carries no deceased-accountholder article, no estate article, and no claim form, so the only case-specific estimate comes from the support representative handling the matter.
Brand change
Acquired by Gen Digital Inc. (NASDAQ: GEN) on April 17, 2025 for approximately $1 billion at $82.00 per share in cash; MoneyLion stock (NYSE: ML) was delisted and the MoneyLion investor relations site now resolves to gendigital.com. MoneyLion continues to operate under its own brand as a Gen Digital subsidiary. Instacash, Credit Builder Plus, Managed Investing, and the deposit account (rebranded from RoarMoney to MoneyLion Spend on the consumer site) all remain active. No successor institution record — Gen Digital is a parent, not a rebrand. Effective April 2025.
The procedures below reflect MoneyLion's accounts. Account servicing may transfer as the change takes effect.
MoneyLion Customer Care
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Contact Us page call line
Lender complaint line (per the /licensing/ New Mexico notice)
WebsiteLearn more→
MoneyLion Customer Care
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Contact Us page call line
Lender complaint line (per the /licensing/ New Mexico notice)
WebsiteLearn more→
Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support)
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091
WebsiteNotify online→
Verified Jul 2026
What happens to MoneyLion accounts after the account holder dies depends on how each account was titled. Beneficiary-designated and trust-owned accounts transfer directly. Accounts in the deceased's name alone go through the estate, and the executor or administrator works with MoneyLion's Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support) (1-844-224-0087) to claim the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting MoneyLion. 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 MoneyLion requires:
Filing a claim
1
Notify MoneyLion by phone at 1-844-224-0087 (24 hours a day, 7 days a week), by in-app chat, or by email to customercare@moneylion.com. There is no bereavement line, no estate team, and no claims portal — the general support queue is the only channel
2
Give the deceased accountholder's full name, date of death, the products held (MoneyLion Spend deposit account, Instacash, Credit Builder Plus, Managed or Active Investing), and your role in the estate. Ask support to restrict the account against further card and transfer activity
3
Expect to provide, as the personal representative:
- A certified copy of the death certificate
- Government-issued photo ID for the person claiming
- Letters Testamentary or Letters of Administration, because no MoneyLion product carries a POD, TOD, joint, or trust registration that would avoid probate
- A state small-estate affidavit where the estate qualifies under state law — often the practical route, since MoneyLion balances tend to be small
4
Settle each product separately — they sit with different entities:
- MoneyLion Spend / RoarMoney deposit balance: held by Pathward, N.A., Member FDIC. The agreement says the bank verifies the mailing address and issues a refund check on closure, and that unclaimed funds may be escheated to the state
- Instacash advance or Credit Builder Plus loan outstanding: a debt of the estate. The agreement lets the bank apply deposits, and balances in other accounts held with it, to offset a negative balance
- Credit Builder Plus Credit Reserve Account: securities held at DriveWealth, LLC under ML Wealth LLC. The lender may direct a sale of those securities to satisfy the loan; the remainder is an estate asset that must be claimed, not forgotten
- Managed or Active Investing balance: advisory assets custodied at DriveWealth, LLC. Ask support how the positions will be liquidated or transferred, and request the year-of-death statement for the step-up in basis
5
Request written confirmation of every closure and the final balances. MoneyLion publishes no claim form, no estate email box, and no timeline, so keep your own record of each contact
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID of the claiming personal representative
- Letters Testamentary or Letters of Administration (no POD, TOD, joint, or trust registration is available on any MoneyLion product)
- State small-estate affidavit, where the estate qualifies
- Any additional documents requested by MoneyLion or Pathward, N.A. — the document list is not published, so confirm it with support
What to know at this institution
The single fact that drives every MoneyLion estate case is the titling restriction in the Demand Deposit Account Agreement: the account may only be owned by one individual, ownership is nontransferable, and it cannot be titled jointly, by an organization, as "Payable on Death," or "In Trust For." There is no non-probate path out of a MoneyLion balance. Three practical consequences. First, the deposit money sits at Pathward, N.A. — the agreement says the account is established and maintained at Pathward's main office in Sioux Falls, South Dakota, and that unclaimed funds may be escheated under state law, so an account left dormant after a death eventually goes to a state unclaimed-property fund rather than to the heirs. Second, MoneyLion lends against the same relationship: the bank may apply deposits, and balances in other accounts held with it, to offset a negative balance, so an unrepaid Instacash advance or Credit Builder Plus loan is netted against what the estate receives. Third, a Credit Builder Plus borrower usually has a hidden asset — the Credit Reserve Account of non-marginable securities held at DriveWealth, LLC under ML Wealth LLC — that survives the loan payoff and is easy for an executor to miss. MoneyLion is online-only: there is no branch to visit, no estate department, no claim form, and no claims portal, and the entire process runs through 24/7 general support.
Processing timelines at MoneyLion: MoneyLion publishes no death-claim timeline. The help center carries no deceased-accountholder article, no estate article, and no claim form, so the only case-specific estimate comes from the support representative handling the matter. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by MoneyLion includes Certified copy of the death certificate, Government-issued photo ID of the claiming personal representative, and Letters Testamentary or Letters of Administration (no POD, TOD, joint, or trust registration is available on any MoneyLion product), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
No, and the prohibition is in writing. The Demand Deposit Account Agreement for the account (effective October 2, 2025) states that "The Account may only be owned and titled in the name of one individual," that "Account ownership is nontransferable," and that the account "cannot be owned or titled jointly, by an organization, as 'Payable on Death' or 'In Trust For'." That closes all three non-probate routes at once: no POD beneficiary, no joint owner with right of survivorship, and no trust titling or Totten-trust registration. The account is issued by Pathward, N.A., Member FDIC, and the restriction is contractual, so support cannot make an exception. The practical consequence is that whatever sits in a MoneyLion Spend account at death is a probate asset — it is released only against Letters Testamentary, Letters of Administration, or a state small-estate affidavit.
No. Neither the Managed Investing account nor the Active Investing account publishes a Transfer on Death registration, and no trust account type is offered. Both are individual accounts: investment advisory services come from ML Wealth LLC, an SEC-registered investment adviser, and the securities are held at DriveWealth, LLC (member FINRA/SIPC) as clearing broker and qualified custodian. With no TOD registration, the positions pass through the estate. An executor should ask MoneyLion support how the positions will be liquidated or transferred and request the account statement covering the date of death, which is what establishes the stepped-up cost basis for the heirs.
They are two separate items, and executors routinely miss the second one. The Credit Builder Plus loan (5.99% to 29.99% APR, up to $1,000, with a $19.99 monthly membership) leaves an outstanding balance that is a debt of the estate. But part of the original loan proceeds was deposited into a Credit Reserve Account, maintained by ML Wealth LLC and held in non-marginable securities at DriveWealth, LLC under a securities account control agreement in favor of the lender. Per ML Wealth's Form ADV, the lender may direct DriveWealth or the adviser to sell those securities to satisfy the loan. Anything left in the Credit Reserve Account after the loan is paid belongs to the estate and has to be claimed — it is an asset, not a fee. Separately, note that the deposit account agreement lets the bank apply deposits and other balances held with it to offset a negative balance, so an unrepaid Instacash advance can be netted out of the deposit account before the estate is paid.
MoneyLion is app-and-web only: there is no branch to visit, no estate or bereavement department, no published claim form, and no claims portal. The channels are the 24/7 support line at 1-844-224-0087, in-app chat, and customercare@moneylion.com; the Contact Us page also lists +1 (516) 916-5466. The mailing address published in the deposit account agreement is MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091. Because MoneyLion publishes no document list, get the requirements from the representative in writing before sending anything. If the account is simply abandoned, the agreement says the deposit is held at Pathward's main office in Sioux Falls, South Dakota and that unclaimed funds may be subject to escheatment under applicable state law — meaning the balance ends up with a state unclaimed-property administrator instead of the heirs, and has to be reclaimed from the state later.
MoneyLion's Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support) can be reached by phone at 1-844-224-0087 and email at customercare@moneylion.com for questions throughout the claims process.
When the deceased had multiple MoneyLion accounts, some may need separate claims while others can be handled together. The Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support) can clarify what's needed for each account type.
Sources
- moneylion.com
- help.moneylion.com
- investor.gendigital.com
- mldocs.moneylion.com
- moneylion.nyc3.cdn.digitaloceanspaces.com
- network.moneylion.com
- pathward.com
Data sourced from MoneyLion primary sources (15 pages reviewed). How we research.
MoneyLion Customer Care
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Contact Us page call line
Lender complaint line (per the /licensing/ New Mexico notice)
WebsiteLearn more→
MoneyLion Customer Care
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Contact Us page call line
Lender complaint line (per the /licensing/ New Mexico notice)
WebsiteLearn more→
Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support)
Phone1-844-224-0087
Toll-Free1-844-224-0087
Mailing Address
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091
WebsiteNotify online→
Verified Jul 2026
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