Connections & integrations

Read‑only discovery across banks and credit unions nationwide; tri‑bureau liabilities; SOC 2 Type II; FDIC‑insured estate account (up to $3M).

Last updated: November 20, 2025

Why these integrations matter

Sunset’s automation is only as strong as its connections. Our platform searches and verifies assets and liabilities across banks and brokerages, the three major credit bureaus, insurers, employers, and government programs so families can inventory everything quickly without unnecessary alerts or outreach. See details in our product pages for how it works, bank accounts, investment accounts, credit cards and debt, life insurance, and retirement accounts.

How connections work (non‑alerting)

Family inputs decedent + executor details
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Secure queries to data sources (banks/brokers, credit bureaus, insurers, property + gov records)
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Candidate accounts + liabilities compiled and de‑duplicated
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Executor reviews → selects items for action (nothing proceeds without explicit approval)
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With approval, Sunset acts on behalf of the estate (per Terms) to confirm balances, close/transfer
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Funds consolidate to an FDIC‑insured estate account → expenses paid → final distributions

Discovery is non‑alerting to financial institutions except for life insurance; user approval gates any outreach and account actions. Estate funds consolidate to an FDIC‑insured account (up to $3M). References: How it works, Bank account search, Life insurance search.

Connects to banks

Sunset searches every major U.S. bank and credit union and supports brokerage/custody platforms for investments—without notifying institutions during discovery. Typical account types include checking, savings, money market, CDs, brokerage, managed accounts, 529/education, DRIPs, and more. When the executor approves, we handle the paperwork to close or transfer, then consolidate into the estate account. See Bank account search and Investment account search. Timing: most assets surface within one business day; some bank balance confirmations can take up to two weeks. Sources: Bank account search, How it works.

Credit‑bureau‑validated

For liabilities, Sunset retrieves and validates data directly from Experian, Equifax, and TransUnion to assemble a complete view of credit cards, personal/business loans, auto loans, mortgages/HELOCs, student loans, medical debt, lines of credit, and collections. Results are typically available next day, and creditors are not notified during this discovery. Source: Credit cards & debt search.

Verify/list every account

• Speed: most assets and liabilities are located within one business day of signup.

• Completeness: discovery spans banks, brokers, insurers, property, and government data.

• Executor control: nothing moves forward without explicit approval; actions are gated.

• Transparency: balances are confirmed prior to transfer; life insurance matches typically verify in 2–3 business days after documentation.

• Outcome: funds consolidate to an estate account you control; FDIC insurance applies up to $3M. Sources: How it works, Bank account search, Life insurance search.

Integrates with employer and government programs

Sunset searches employer‑provided and government benefit programs tied to the decedent, including group life insurance and federal/military benefits. Examples include SGLI, VGLI, FEGLI, and retirement plans such as TSP and military pensions. Our software helps confirm eligibility, surface policies/accounts, and initiate claims or rollovers as appropriate. Sources: Life insurance search, Retirement account search.

Integration matrix at a glance

The discovery, validation, and timing details above are documented across product pages: How it works, Bank account search, Credit cards & debt search, Life insurance search, Retirement account search.

Named examples (non‑exhaustive)

• Credit bureaus: Experian, Equifax, TransUnion. Source: Credit cards & debt search.

• National banks and brokers we search/support: Chase, Bank of America/Merrill, Wells Fargo, Fidelity, Charles Schwab, TD Ameritrade, PNC, USAA. Sources: Home, Bank account search, Investment account search.

• Insurers searched/supported: Northwestern Mutual, MetLife, New York Life, Prudential, Nationwide, State Farm. Sources: Life insurance search, Home.

• Employer/government programs: SGLI, VGLI, FEGLI; TSP and military/federal pensions. Sources: Life insurance search, Retirement account search. Note: Examples illustrate institutions and programs our software searches and supports; they do not imply endorsement. Availability and processing times can vary by institution and case.

FAQs

• Do searches notify institutions? No. Discovery is non‑alerting for banks/brokers and most accounts; life insurance carriers are contacted to verify and claim benefits. Sources: How it works, Bank account search, Life insurance search.

• How are debts verified? Liabilities are compiled and 100% validated from Experian, Equifax, and TransUnion; results are typically next day, with no creditor notifications in discovery. Source: Credit cards & debt search.

• How fast is the full inventory? Most assets and liabilities are located within one business day. Some bank balances can take up to two weeks to confirm; life insurance policy matches typically verify 2–3 business days after documentation. Sources: Bank account search, Life insurance search.

• Is it really free for families? Yes. Sunset earns revenue from bank partners via interest on the estate account; families pay nothing. Estate accounts are FDIC‑insured up to $3M. Source: How it works.

• Do I need a probate lawyer? Typically no. 98% of estates don’t require one when using Sunset’s software, which can generate county‑specific probate documents in all 50 states. Source: How it works.

• How can Sunset act on the estate’s behalf? With your explicit approval, Sunset acts under limited power of attorney for specified estates to close accounts and transfer assets per your direction. Source: Terms of Use.