What to do when an Upgrade account holder dies
Report the death to Upgrade at 1-844-319-3692
After an account holder at Upgrade dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Upgrade with the proper legal authority documents.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Upgrade.
Death claim process
To file a claim after an account holder's death, here is what Upgrade requires:
Filing a claim
- Checking and savings (Rewards Checking Preferred, Performance Savings, Premier Savings, Everyday Savings): (844) 319-3692 or depositsupport@upgrade.com.
- Upgrade Card, personal loans, home improvement loans and auto finance: Account Management at (844) 899-9931 or servicing@upgrade.com.
- Support hours are Monday-Friday 5AM-7PM PT and Saturday-Sunday 6AM-5PM PT. Online chat is available 24/7 from the Account Dashboard.
- Customer mail: Upgrade Inc., 2 North Central Ave., Flr 10, Phoenix, AZ 85004.
What happens to each kind of account4
- Payable-on-death account
Upgrade's help center states: "At this time, we are unable to add beneficiaries." An Upgrade checking or savings account carries no payable-on-death beneficiary.1
- Account in one name
Everyday Savings accounts have a single account holder only.2
- Rewards
Upgrade's Cash Back Rewards Program terms state that rewards "cannot be sold, attached, seized, levied upon, pledged or transferred under any circumstances including, without limitation, by operation of law, upon death."3, 4
Upgrade Card rewards are forfeited if the account is closed due to charge off, default or any other reason permitted in the Personal Credit Line Agreement. OneCard rewards are forfeited if Cross River Bank closes the card account.3, 4
- Loan
Upgrade, Inc. is the lienholder on vehicles financed through Upgrade. "For your title to be released, the balance must be paid in full. Once the balance is paid in full, Upgrade will release the lien and transfer the title to the appropriate party."5
Accounts handled elsewhere1
Not in Upgrade's published guidance5
- A procedure for reporting a death
- A department for deceased-customer accounts
- A claim form
- A list of required documents
- How long a claim takes
Sources7
- 1.Can I add a beneficiary to my checking/savings account?
- 2.Can I add a joint holder to my Everyday Savings account?
- 3.Upgrade Card Cash Back Rewards Program terms
- 4.Upgrade OneCard Cash Back Rewards Program terms
- 5.Auto Finance: I want to sell my car but I have an outstanding balance. How can I get my title so I can give it to the buyer?
- 6.How does the Custodial Deposit Program work for Premier Savings?
- 7.How does the Custodial Deposit Program work for Performance Savings?
Frequently asked questions
Upgrade Card, personal loan, home improvement and auto finance accounts are serviced by Upgrade's Account Management team at (844) 899-9931 or servicing@upgrade.com. Cross River Bank, Member FDIC, originates the loans and issues Upgrade Visa Cards; The Bancorp Bank, N.A. also issues Upgrade Visa Cards. Upgrade states that most personal loans are unsecured and that Home Improvement Loans require no collateral. On a joint personal loan application, both applicants are responsible for repaying the loan.
No. Upgrade's Cash Back Rewards Program terms state that rewards "cannot be sold, attached, seized, levied upon, pledged or transferred under any circumstances including, without limitation, by operation of law, upon death, or in connection with any dispute or legal proceeding." Upgrade Card rewards are also forfeited if the account is closed due to charge off, default or any other reason permitted in the Personal Credit Line Agreement.
Sources
Data sourced from Upgrade primary sources (33 pages reviewed). How we research.
Upgrade death claims support
Customer Support
Phone
Checking & Savings
Account Management
Personal Loan application by phone
Application in progress
Debit Card, Checking and Savings disputes
Telecommunications Relay Services
Hours
Mailing address
Website
Death notifications go through general customer service.
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