Dormant bank accounts, uncashed checks, forgotten securities — recovered from state escheatment.
$77B held by states (US) in available surplus — most of it unclaimed. SurplusAI finds it, qualifies it, and connects it to recovery specialists and claimants across all 50 states.
$77B
Held by states across the US
1 in 10
Americans has unclaimed property
30–90 days
Average recovery time
States hold $77 billion in unclaimed property — most of it belonging to people who don't know it exists.
When bank accounts go dormant, checks go uncashed, or brokerage accounts are forgotten, financial institutions are required by law to transfer the assets to the state after a dormancy period (typically 3–5 years). States hold this money indefinitely, but only 30% of it is ever claimed. Most people never search — or search once, don't find anything, and give up. SurplusAI runs continuous searches across all 50 state databases, plus international unclaimed property registries, to find every dollar you're owed.
SurplusAI for Unclaimed Property Recovery
Search
CORTEX queries all 50 state unclaimed property databases simultaneously — plus Puerto Rico, DC, and major international registries — matching against your name, address history, SSN, and business EINs.
Aggregate
All matches are compiled into a single report: holder name, property type, amount, dormancy date, and claim instructions. Multi-state holdings are unified.
Claim
Recovery specialists submit state claim forms with proper identity verification. Complex claims (deceased owners, business dissolution, merged entities) are handled by licensed attorneys.
Receive
State approves and issues payment — typically within 30–90 days. No fee for simple claims; contingency-based for complex multi-party or large-dollar claims.
Unclaimed property leads for recovery firms
The unclaimed property vertical is the highest volume in the industry — millions of claims, billions of dollars. SurplusAI's bulk search and match engine turns this volume into a manageable, profitable lead pipeline for recovery firms.
Your Recovery Journey
No upfront cost. Contingency only. You only pay when you collect.
Search Free
Submit your name, past addresses, and any business names at getsurplus.ai. Most states allow free direct claims for simple cases.
Confirm Match
SurplusAI identifies all matched properties across all states, categorizes them (cash, securities, safe deposit), and estimates total value.
File Claims
For straightforward claims, you file directly with the state (free). Complex cases (deceased owners, old corporations) are handled by specialists on contingency.
Collect
State mails check or ACH. Securities are transferred to your brokerage account. Physical safe deposit items are shipped.
Simple, Transparent Plans
The Unclaimed Property vertical is available on all plans — start with Starter.
Starter
$499/month
- 3 verticals
- 50 leads/month
- 5 active cases
- Basic reporting
- Email support
Growth
$999/month
- All 10 verticals
- 200 leads/month
- 25 active cases
- AI Copilot + CORTEX
- Priority support
Enterprise
Custom
- Unlimited leads & cases
- White-label platform
- Custom AI engines
- Dedicated CSM
- SLA guarantee
Common Questions
Is there a deadline to claim unclaimed property?
No — states hold your property indefinitely. There is no statute of limitations on unclaimed property claims. You can claim money that's been held for 30+ years.
Can businesses claim unclaimed property?
Yes — corporations, LLCs, and partnerships can have unclaimed property from vendors, customers, and subsidiaries. SurplusAI handles bulk business entity searching with EIN matching.
What if the original company that held my money no longer exists?
Mergers and acquisitions transfer unclaimed property obligations. SurplusAI's corporate lineage engine traces successor companies to identify who currently holds your funds.
Check if you have unclaimed unclaimed property funds
Free to check. No obligation. Contingency-based — we only get paid when you collect.