Find money they left unclaimed
First, we’ll run an instant search nationwide
We instantly search state unclaimed property databases in all 50 states to locate forgotten accounts, refunds, and benefits. Results are available instantly.
Unclaimed property includes forgotten bank accounts, uncashed checks, insurance payouts, and refunds that companies couldn't deliver. States hold these funds indefinitely until the rightful owner— or their heirs — come forward.
We’ll guide you to submit claims
After discovery, we guide you through the claim process step by step. We provide direct links to state claim portals, pre-fill claim forms when possible, and help you gather or generate any required documents like a death certificate, letters of administration, or a small estate affidavit.
1 in 7
Americans have unclaimed property
Instant
results in every state database
Billions
returned to families each year
We can find all types of unclaimed property, in every state:
Dormant Bank Accounts
Banks turn inactive accounts over to the state after a few years without activity. We find these accounts and provide the forms you need to claim the funds for the estate.
Uncashed Checks & Refunds
Uncashed paychecks, tax refunds, or insurance credits are reported to the state as unclaimed. We confirm the amounts belong to the deceased and guide you through submitting a claim.
Life Insurance Proceeds
When benefits are never claimed, insurers eventually report them to the state. We locate these policies and help you file the claim so the payout can go to heirs.
Unclaimed property exists because banks, insurers, and businesses must turn over funds after years of inactivity. Every state holds these funds until the rightful owner or their heirs submit a claim.
Utility & Rental Deposits
Utility and rental deposits often remain unclaimed after a move or death. We identify these balances and give you the documentation steps to collect them.
Safe Deposit Box Contents
If rent is unpaid, the bank sends the contents of a safe deposit box to the state for safekeeping. We match boxes to your loved one and explain how to reclaim the items legally.
“Sunset helped me find money my mom never knew she had. The search took seconds and the claim links saved me hours of paperwork.”
Stocks, Bonds, and Mutual Funds
Brokerages turn over abandoned investment accounts to the state after years of no activity. We locate these holdings and provide the steps to claim or transfer them to the estate.
Retirement Accounts
Dormant 401(k)s, pensions, or IRAs are eventually reported to the state if no beneficiary steps forward. We identify these plans and guide you through rollovers or distribution requests.
Gift Cards & Store Credits
Unused gift cards and store credits sometimes qualify as unclaimed property under state law. We find eligible balances and help you submit claims where possible.
Felt Cared For
"I felt cared for the whole way. Even when we had to handle my dad’s small business account."
Surprising Finds
"I found all of my grandma’s accounts in just a couple days, including one we didn’t even know about. I cried when I realized how much work it was going to take, but Sunset made it quick and easy."
Step by Step
"I did things when I had time. First the bank account, then the car title a few weeks later. It felt manageable."
Stress Free
"Simple and stress free from start to finish. Even the life insurance claim."
Peace of Mind
"Nothing happened unless I said so. Knowing my dad’s retirement money was safe until I was ready gave me peace of mind."
Felt Protected
"I felt safe the whole time. They kept an eye on things for fraud so I could focus on selling the house and being with my kids."
Easy Process
"Step by step made it easy to get things done without feeling buried."
Clear Next Steps
"Clear steps, no stress. I always knew what came next, even for life insurance and car titles."
Guided the Whole Way
"They made a hard process simple and stress free. It felt like they were walking me through step by step."
Less Scary
"They made the hard parts less scary. I just answered a few questions and felt guided."
Made It Doable
"Made something complicated, like probate papers, feel doable and not so scary."
Insurance Premium Refunds
If an insurance policy was canceled or overpaid, the refund may be turned over to the state. We locate these amounts and help recover them for the estate.
Mineral Rights & Royalties
Oil, gas, and mineral royalties can go unclaimed when checks are returned or owners cannot be located. We identify these interests and show you how to claim the unpaid funds.
Frequently asked questions
How quickly will I see results?
Most results come fast. Here's the general timeline after your account is validated:
- Within hours: Creditors and debts, some bank accounts, property records (all 50 states), vehicle titles, and unclaimed property
- 1–2 business days: Retirement accounts (401k, IRA, pension), investment accounts (brokerage, stocks, crypto), life insurance, and business ownership. Note: these searches don't run on weekends or bank holidays.
- 7–14 days: Comprehensive bank account search with confirmed balances across all account types
Most families have 100% of assets discovered within 5–6 days.
Who can use Sunset?
Any family member, executor, administrator or personal representative responsible for managing a deceased person’s assets can use our software tool. We support asset search and probate in all 50 states and every county in the U.S.
Am I responsible for their debts?
No, the deceased was solely responsible for their debts. If a loan was backed by a physical asset, such as a home or vehicle, you have options to transfer or payoff from estate proceeds.
For a loan that was jointly held, the responsibility remains with the other person on the account, often a spouse. Sunset automatically identifies if a debt has a living responsible party, and clearly flags it.
What is an estate bank account? Who controls it?
A estate bank account is a standard bank account in the estate’s name where all funds are consolidated. You can use it to pay expenses, view a full transaction history, and eventually distribute inheritance to beneficiaries.
With one click Sunset can set up an estate back account.
You control the estate bank account. You can pay bills, taxes, and distribute the funds to heirs.
All estate bank accounts set up by Sunset are FDIC insured and protected from fraud and identity theft.
How can I pay estate expenses?
With your estate bank account you can use to pay expenses to settle your loved ones affairs. You can also reimburse yourself for expenses you may have paid out of pocket before the bank account was set up.
This includes paying for funeral expenses, accountants and attorneys if needed (most families do not need these services when working with us), realtor fees when selling property, money going towards settling debts, money spent fixing up a property before selling it, etc.
What security measures does Sunset have?
Sunset is SOC 2 Type II certified, and we hold ourselves to the highest standards in how we build our software and store data so that you’re always protected. We have in-depth fraud and identity verification measures on the deceased and the beneficiaries, and we run background checks on all employees.
What about probate documents?
You can use our software to generate and sometimes file probate documents in every county nationwide.
Online notarization is also available through Sunset.
If your case is unusually complex, or disputed, we recommend hiring experienced probate counsel.
Can Sunset help my probate attorney?
Yes. Attorneys regularly recommend Sunset to their clients. Before your attorney can guide you on the right probate path, they need a complete picture of the estate's assets and debts. Sunset generates a comprehensive Estate Asset Inventory with account numbers, balances, and more, giving your attorney exactly what they need to move forward quickly.
Will financial institution be notified of a Sunset search?
No, we do not notify any financial institutions of the death when performing our searches, except for in the case of life insurance.
Our process combines document review, data integrations, and indirect verification with financial institutions. Families usually discover most accounts within 1 day, although some bank account confirmations take up to two weeks.
Financial institutions are only notified after a request for closure and transfer has been made by you.
How much does Sunset cost?
Sunset is free to use. Sunset never charges families or takes a percentage of the estate.
All of our tools are free, including search and discovery, probate document generation, asset transfer, and more. No upfront fees, subscriptions, and deductions from the inheritance.
Our bank partners pay us a referral fee, based on interest generated from estate bank accounts. That way, all the deceased’s assets go to the beneficiaries and heirs.
