Estate planning at Upgrade
How to protect 9 Upgrade accounts — file claims through Upgrade's Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance
Customer Support
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Checking & Savings Support — report a death here for deposit accounts (Upgrade has no dedicated estate or bereavement unit)
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Upgrade offers 9 consumer accounts that interact with estate planning in distinct ways. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary management at Upgrade is handled through direct contact. The Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance team coordinates these changes.
There are two sides to estate planning at Upgrade: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to review 9 account types at Upgrade.
View details →When someone dies
Death claim process
Contact Upgrade's Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance to file a claim. 4-step process, 6 required documents, and contact information for survivors.
View details →Upgrade's Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance can answer questions about beneficiaries, trusts, or death claims at (844) 899-9931. Email inquiries can be sent to servicing@upgrade.com.
Frequently asked questions
No. This is the single most important estate fact about Upgrade, and it is easy to assume otherwise because nearly every bank offers a POD. Upgrade's own help center article, "Can I add a beneficiary to my checking/savings account?", answers in one sentence: "At this time, we are unable to add beneficiaries." There is no POD form, no phone workaround, and no in-app flow, and it applies to Rewards Checking Preferred, Performance Savings, Premier Savings, and Everyday Savings alike. A trust cannot be named as beneficiary either, and Upgrade does not open trust-titled deposit accounts. The practical result: a solo-titled Upgrade balance is a probate asset, full stop.
Sources
Data sourced from Upgrade primary sources (16 pages reviewed). How we research.
Customer Support
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Account Management — report a death here for Upgrade Cards, personal loans, home improvement loans, and auto refinance
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Checking & Savings Support — report a death here for deposit accounts (Upgrade has no dedicated estate or bereavement unit)
Upgrade, Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004
Estate planning articles
Learn how to protect your Upgrade accounts and other assets with trusts, beneficiary designations, and estate planning documents.
