Introducing Business Bank Account Search
Sunset now finds the bank accounts of small businesses owned by the deceased, so families don't have to call banks one by one.
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When a small business owner passes away, their personal accounts are only half the picture. Operating accounts, payroll accounts, and merchant accounts sit at banks under the business name, and families have no straightforward way to find them. Today we are announcing that Sunset can now locate the bank accounts of small businesses owned by the deceased.
This feature builds on our Business Search Tool, which already helps families identify LLCs, corporations, and other entities tied to a loved one. Now, once a business is found, Sunset goes a step further and searches for the bank accounts held in that business's name.
Why this matters
Surviving spouses, executors, and family members often inherit responsibility for a business they had no role in running. Winding it down, transferring ownership, or settling its obligations requires knowing where the money lives. Until now, that meant calling banks one by one and hoping for a hit. Sunset does the searching for you.
Who this helps
The surviving spouse. Her husband ran a small plumbing business for thirty years. She helped with the books on weekends but never handled the bank side. Now she wants to keep the business open for the three employees who built it with him. The first thing she needs is every account held in the company's name.
The adult child. His mother owned a corner print shop. After she passed, he and his sister decided to wind it down, but vendor invoices kept arriving and the part-time employee was still owed two weeks of pay. He needed the operating account before he could close anything out.
The sibling. Her brother ran a one-person graphic design studio. He had no spouse, no children, and she was named executor. Closing the LLC meant finding the bank account, paying final taxes, and getting the last client refunds out the door.
What's covered
Sunset searches across 2,500+ financial institutions for accounts held in the name of the deceased's businesses. Results include the institution, account type, and the information needed to begin closure or transfer. Sole proprietorships, LLCs, S-corps, and partnerships are all supported.
Get started
The feature is live in the Sunset platform for any family with a small business in their estate. If you are already using Sunset, business bank account search runs automatically alongside the rest of our asset discovery. If you are new, you can begin at hellosunset.com.
We built Sunset to take the weight of estate settlement off families. A small business should not be the thing that catches them off guard.
About Sunset
The estate settlement platform
Sunset finds what the deceased owned and owed, then handles the paperwork and transfers that settle the estate. More than 15,000 families have used it, and attorneys and fiduciaries use Sunset Pro for their clients' estates.
Find every account
One search across 2,500+ financial institutions surfaces bank accounts, retirement plans, life insurance, and debts in the deceased's name.
Prepare the paperwork
Court-ready probate documents for every state and county, plus an FDIC-insured estate account to hold the funds.
Close and transfer
Sunset contacts each institution, closes the accounts, and moves the money to the beneficiaries and heirs.
Frequently asked questions
What is Sunset?
Sunset is an estate settlement platform that helps families discover and close the financial accounts, assets, and debts of a person who has died.
Sunset is designed for family members, executors, and personal representatives who are settling an estate themselves. It includes the full Sunset closure suite: financial account discovery, bank notifications, assisted phone calls and emails, estate bank account setup, probate document generation, and asset transfers, for $50 per estate.
Sunset Pro is designed for probate attorneys, licensed fiduciaries, trustees, and aftercare specialists who settle estates on behalf of their clients. Sunset Pro starts at $500 per asset search, with monthly subscription plans available for solo practitioners, small firms, and large firms.
Both Sunset and Sunset Pro are available in all 50 states and U.S. territories.
How does Sunset help settle an estate?
Sunset handles the most time-consuming parts of estate settlement.
We search 2,500+ financial institutions like banks and retirement funds, the credit bureaus, and state unclaimed-property databases to find accounts and assets the family may not know about. We prepare probate documents specific to your county in all 50 states and help establish an estate bank account where recovered funds can be deposited.
Then Sunset helps close the deceased person’s accounts and move the funds into the estate account, ready for distribution to the heirs.
With Sunset, about 90% of account closures can be completed without you having to call or visit a branch.
Who can use Sunset?
Sunset can be used by family members, executors, administrators, and personal representatives responsible for settling a deceased person's estate.
Sunset supports asset discovery and probate across all 50 states and every U.S. county, helping you manage the estate regardless of where the deceased lived or where the estate is being settled.
What is required to settle an estate?
Most estates require a core set of documents and accounts, including a certified death certificate, legal authority to act for the estate, a federal EIN, an estate bank account, and an inventory of the estate’s assets and debts.
Sunset can help with all of these except the death certificate.
Depending on the circumstances, legal authority may come in the form of letters testamentary, letters of administration, or a small-estate affidavit.
Once that authority is established, the estate can begin notifying financial institutions, paying valid debts and final taxes, and distributing the remaining assets to the heirs or beneficiaries.
Sunset prepares the paperwork required for these steps and submits what we can on your behalf.
How long does it take to find the deceased's accounts?
Most accounts turn up within a day of starting a search. Some bank account confirmations take up to two weeks.
Closing accounts and moving funds take longer, because each institution works on its own schedule. The full estate settlement timeline also depends on whether the estate needs probate in your state.
Do I have to call the banks myself?
Usually not. About 90% of account closures through Sunset are completed without you calling or visiting a branch.
Sunset prepares and sends the closure and transfer requests for you, and the funds move into the estate bank account.
How much does Sunset cost?
Sunset costs $50 per estate, paid once when you sign up. It covers asset discovery, probate document generation, account closure, asset transfers, and estate bank account setup. Full details are on our pricing page. The credit bureau notification tool and the estate bank account have no charge.
Sunset Pro is for probate attorneys, licensed fiduciaries, trustees, and aftercare specialists. It starts at $500 per asset search, with subscription plans available for solo practitioners, small firms, and large firms.
The fee counts as an estate administration expense, so you can reimburse yourself from the estate. Sunset never takes a percentage of the estate, and all assets go to the beneficiaries and heirs.
What security measures does Sunset have?
Sunset is SOC 2 Type II certified and built with security and privacy at the center of how we handle sensitive estate information.
We use identity and fraud-prevention measures to verify deceased individuals and beneficiaries, and we conduct background checks on our employees. We continuously monitor and improve our security practices to protect the financial information, documents, and personal data entrusted to us.
