What to do when a SoFi account holder dies
Report the death to SoFi at 1-855-456-7634
When an account holder at SoFi passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with SoFi (1-855-456-7634) to access and distribute the funds.
The claim process can be initiated by phone at 1-855-456-7634 or by sending documentation to estates@sofi.org. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with SoFi:
Filing a claim
Required Documents
- Written notice of the death from the account holder's estate
What happens to each kind of account3
- Joint account with survivorship
All joint SoFi Bank accounts are owned by the joint owners as joint tenants with right of survivorship.1
- Fiduciary account
A SoFi Bank account cannot be owned or titled in the name of an estate or a fiduciary.1
- Loan
If a borrower dies while repaying a SoFi Personal Loan, SoFi reserves the right to pursue the estate.2
Accounts handled elsewhere3
- SoFi Student Loan Servicing
Funded Private Student Loans and Student Loan Refinance loans, including next steps after a borrower's death2
- SoFi Student Loan Servicing
Private Student Loans and Student Loan Refinance loans3
Phone: 1-855-456-7634
- SoFi Home Loan Servicing
Questions on closed SoFi home loans4
Phone: 1-855-622-3198
Hours: Monday-Friday 5:30 AM-5:00 PM PT; Saturday 5:30 AM-2:00 PM PT
What SoFi's agreement and guidance say3
- Telling the institution
SoFi Bank's Deposit Account Agreement provides that a deceased account holder's estate gives SoFi Bank written notice of the death.1
- What it does when notified
Before or after notice of a death, SoFi Bank may require any documents, retain any portion of the account, restrict transactions or demand immediate repayment of amounts owed to it.1
- Indemnity a claimant may have to give
The estate is liable to SoFi Bank for any loss from transactions started before SoFi Bank received written notice of the death, any loss in liquidating the account, and any other obligations on the account.1
Not in SoFi's published guidance2
- Whether the death certificate must be certified
- A mailing address for claim documents
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust.
Claims Contact
Phone: 1-855-622-3198
Hours: Monday-Friday 5:30 AM-5:00 PM PT; Saturday 5:30 AM-2:00 PM PT
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Not in SoFi's published guidance1
- A list of required documents
Claims Contact
Phone: 1-855-622-3198
Hours: Monday-Friday 5:30 AM-5:00 PM PT; Saturday 5:30 AM-2:00 PM PT
Not in SoFi's published guidance1
- A list of required documents
SoFi can be reached by phone at 1-855-456-7634 and email at estates@sofi.org for questions throughout the claims process.
Sources
Data sourced from SoFi primary sources (26 pages reviewed). How we research.
SoFi death claims support
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Estate planning articles
Learn how to protect your SoFi accounts and other assets with trusts, beneficiary designations, and estate planning documents.
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