What happens to your MoneyLion accounts when you die
Covers 1 deposit, 2 lending, and 2 investment accounts — all transfer through probate
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
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
MoneyLion Customer Care
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support)
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091
MoneyLion does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All MoneyLion accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact MoneyLion with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
MoneyLion 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
MoneyLion 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. There is no trust-funding form, no exception process, and no trust department at MoneyLion. The prohibition is contractual (Pathward's deposit account agreement), not a matter of app limitations, so calling support cannot unlock it.
MoneyLion Spend (RoarMoney) Demand Deposit Account
The deposit account marketed on moneylion.com as "MoneyLion Spend" is the RoarMoney demand deposit account issued by Pathward, N.A., Member FDIC, with a MoneyLion Debit Mastercard. The Demand Deposit Account Agreement (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 single sentence closes every non-probate transfer route: no POD beneficiary, no joint-with-right-of-survivorship owner, and no trust titling. Balances are FDIC-insured up to $250,000 through Pathward and any program banks. On closure, the agreement says MoneyLion verifies the mailing address and issues a refund check, and that unclaimed funds may be subject to escheatment under applicable state law. If the account carries a negative balance, deposits (and balances in other accounts held with the bank) may be applied to offset it.
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.
Download these MoneyLion instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against MoneyLion primary sources. Bring it to the branch or keep it beside the phone.
MoneyLion Customer Care
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
MoneyLion Customer Care
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091 (address published in the RoarMoney Demand Deposit Account Agreement)
Customer Care (no dedicated estate or bereavement team; deceased-accountholder matters are handled by general support)
MoneyLion Customer Service, P.O. Box 1547, Sandy, UT 84091
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