What Happens to Your Bank of America Account When You Die
Quick Facts
Deadline
None — protected
Difficulty
Standard
Documents
Death cert + probate
Step-by-Step Guide
List all BofA accounts
Document every checking, savings, CD, and credit card with account numbers.
Estimated time: 10 min
Note beneficiaries
Check if payable-on-death (POD) beneficiaries are listed. These bypass probate.
Estimated time: 5 min
Document automatic payments
List all autopay and recurring payments from these accounts.
Estimated time: 15 min
Executor contacts BofA
Call 1-800-432-1000 or visit a branch with Death Certificate and Letters Testamentary.
Document Now Checklist
- All account numbers
- POD beneficiary status
- Automatic payments
- Safe deposit box info
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Bank of America. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
PayPal
PayPal balances are estate assets. Recurring payments continue until cancelled by executor.
Venmo
Venmo balance is an estate asset. Family cannot access the social feed or transaction history directly.
Cash App
If you hold Bitcoin in Cash App, document this separately — crypto recovery requires additional steps.
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