What to do when a SoFi account holder dies
Contact SoFi — 5-step process, 4 required documents, and pod/tod beneficiaries typically receive funds after verification of death certificate and identity. probate-dependent claims may take several months.
Death Claims
Phone1-855-456-7634
Toll-Free1-855-456-7634
Mailing Address
SoFi Bank, N.A., 2750 E Cottonwood Parkway, Suite 300, Cottonwood Heights, UT 84121
Investment Accounts
Home Loan Servicing
Home Loans General
Credit Card (24/7)
Verified Jul 2026
When a SoFi account holder 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's Death Claims (1-855-456-7634) to access and distribute the funds.
The first step is contacting SoFi at 1-855-456-7634 with the account holder's full name, account numbers, and a certified death certificate in hand.
Deposit, investment & retirement accounts
Follow these steps to file a death claim with SoFi:
Filing a claim
1
Contact SoFi customer support to notify them of the account holder's death
2
Call the appropriate department:
- For banking accounts: call 855-456-7634
- For investment accounts: call 855-525-7634 (Monday through Friday 5:00 a.m. to 5:00 p.m. PT)
3
Provide required information:
- Deceased's full legal name and Social Security number
- Certified death certificate
4
For accounts with POD/TOD beneficiaries:
- Present government-issued ID to verify identity
- Assets pass directly to named beneficiaries upon verification
5
For accounts without beneficiaries:
- Provide Letters Testamentary or Letters of Administration to establish executor authority
- Accounts will require probate proceedings
Required Documents
- Certified death certificate
- Government-issued ID for beneficiary or executor
- Letters Testamentary or Letters of Administration (if no beneficiary designated)
- Small Estate Affidavit (if applicable under state law)
What to know at this institution
SoFi does not have a dedicated estate services or bereavement department. Death claims are handled through general customer support. Estate planning support is available Monday through Friday 8:30 a.m. to 8:30 p.m. ET. POD assets on deposit accounts and TOD assets on investment accounts pass directly to named beneficiaries and are not subject to will instructions or probate.
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. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower’s revocable trust.
1
Notify SoFi of the borrower's death by calling Home Loan Servicing at 855-622-3198 (Monday through Friday 6:00 a.m. to 3:00 p.m. PT)
2
Provide initial information to the servicing representative:
- Deceased borrower's full legal name, Social Security number, and mortgage loan number
- Submit a certified copy of the death certificate
3
Complete the Successor in Interest process:
- Request the Successor in Interest documentation package from the servicing representative
- Complete and return the documentation with proof of your ownership interest in the property (e.g., probated will, court order, recorded deed, or trust document)
- SoFi will review your documentation and confirm your status under CFPB mortgage servicing rules
4
Once confirmed as Successor in Interest:
- You will have access to loan information
- Discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
5
Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- Completed Successor in Interest documentation
- Documentation proving ownership interest in the property (one or more of the following): probated will naming you as heir, court order of succession, recorded deed transferring ownership, trust document showing you as successor trustee or beneficiary
- Letters Testamentary or Letters of Administration (if going through probate)
- Marriage certificate (if surviving spouse)
Claims Contact
Phone: 855-622-3198
SoFi Bank, N.A., 2750 E Cottonwood Parkway, Suite 300, Cottonwood Heights, UT 84121
What to know at this institution
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), SoFi cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules and are entitled to account information and loss mitigation options. General home loans support: 844-763-4466. General SoFi support: 855-456-7634. Mortgage servicing troubleshooting: 888-653-8253.
Prepare your letter of instruction to SoFi
SoFi accepts a claimant-drafted letter of instruction. We draft it for you — addressed to SoFi's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at SoFi: POD/TOD beneficiaries typically receive funds after verification of death certificate and identity. Probate-dependent claims may take several months. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
To process a claim, SoFi needs Certified death certificate, Government-issued ID for beneficiary or executor, Letters Testamentary or Letters of Administration (if no beneficiary designated), and Small Estate Affidavit (if applicable under state law). Death certificates and court documents must be certified copies—photocopies are not accepted.
Frequently asked questions
Yes, with conditions. SoFi offers an optional Insured Deposit Program that spreads deposits across a network of participating banks, providing coverage up to $3 million per member (vs. the standard $250,000 FDIC limit per institution). This can be relevant for estate planning clients holding large liquid balances. Standard FDIC coverage applies per depositor per institution in the same ownership category. Joint accounts are insured up to $500,000 ($250,000 per co-owner). POD accounts with named beneficiaries may qualify for expanded coverage — up to $250,000 per named beneficiary — under FDIC rules for payable-on-death accounts.
SoFi's Death Claims can be reached by phone at 1-855-456-7634 for questions throughout the claims process.
If the deceased held multiple SoFi accounts, each may require a separate claim or have different documentation requirements. The Death Claims can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from SoFi primary sources (20 pages reviewed). How we research.
Death Claims
Phone1-855-456-7634
Toll-Free1-855-456-7634
Mailing Address
SoFi Bank, N.A., 2750 E Cottonwood Parkway, Suite 300, Cottonwood Heights, UT 84121
Investment Accounts
Home Loan Servicing
Home Loans General
Credit Card (24/7)
Verified Jul 2026
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