Uncashed Checks
Outstanding checks that were issued but never deposited or cashed.
Stratigraphic Recovery · No. 001
More than $70 billion is sitting unclaimed.
Some of it may belong to you.
When checks go uncashed, accounts become dormant, refunds are never collected, or businesses and estates lose track of assets, those funds can eventually be transferred to the state for safekeeping.
Stratum finds what others miss. We search public records to identify unclaimed funds belonging to individuals, businesses, and estates. When we find a match, we verify ownership, prepare the required documentation, manage the claims process, and help return the funds to their rightful owner.
Free record search · No upfront cost · No obligation
The recovery profileFIG. 001
Surface · Active accounts0 m
Dormant · Inactive funds−40 m
Escheated · State custody−80 m
Recovered · Returned−120 m
From overlooked to recoveredILLUSTRATIVE
01 / Recovery categories
What we recover
Unclaimed funds can come from many different sources. We help individuals and businesses recover money turned over to state agencies.
Vendor & Business Payments
Unclaimed vendor payments, accounts-payable balances, and other funds owed to businesses.
Refunds & Credit Balances
Refunds, rebates, overpayments, account credits, and other money that was never returned.
Insurance Funds
Insurance claim payments, premium refunds, policy proceeds, and other insurance-related funds.
Bank & Financial Accounts
Dormant bank accounts, certificates of deposit, cashier’s checks, and other financial assets.
Stocks, Dividends & Investments
Stocks, dividends, brokerage assets, bond proceeds, and other investment-related distributions.
Wages & Employee Funds
Uncashed payroll, commissions, bonuses, reimbursements, and other employee-related payments.
Escrow, Trust & Other Funds
Escrow balances, security deposits, trust distributions, and other unclaimed funds held on your behalf.
02 / The process
How it works
From the first record to the final recovery, we handle the details that connect you to your money.
Free Record Search
We search state unclaimed-property records for funds associated with you, your business, or an estate. No search fee and no obligation.
Verification & Documentation
When we identify potential property, we verify the record, establish the ownership connection, and determine the documentation required to recover it.
Claim Preparation & Filing
We prepare the claim and supporting documentation and guide the submission through the appropriate state unclaimed-property authority.
Recovery
Once the claim is approved, the funds are returned to the rightful owner. Our fee is based only on funds successfully recovered.
03 / Why Stratum
Your funds. Our focus.
No upfront cost. Compensation tied to recovery.
$0 Upfront
No search fee. No retainer. No upfront payment.
Contingency-Based
Our fee is earned only when funds are successfully recovered.
State-by-State Expertise
Unclaimed-property requirements vary by jurisdiction. We navigate the documentation, filing requirements, and recovery process on your behalf.
One Search.
Multiple Sources.
We investigate unclaimed-property records across jurisdictions to uncover funds that may have been overlooked for years.
04 / Start your search
Find out what’s
waiting for you.
Speak with a recovery specialist about a free record search for you, your business, or an estate.
Request a consultationNo account. No payment. No obligation.
A few common questions
What is unclaimed property?
Financial assets can become unclaimed when an organization loses contact with the owner. After a period set by state law, the assets may be transferred to the state’s unclaimed-property program until the rightful owner claims them.
What does it cost to work with Stratum?
The record search has no upfront cost or obligation. If you engage us to recover property, the fee is agreed in writing before work begins and applies only to funds successfully recovered. Fees and requirements vary by state.
Does a matching name mean the funds are mine?
A name match is a starting point. Ownership must be supported by the relevant records and documentation, and the state authority reviews and approves the claim.
Why use an asset recovery company?
Finding unclaimed funds is only the first step. For individuals, locating old records and gathering the documentation required by the state can be time-consuming and frustrating. A claim can stall when the paperwork becomes difficult to track down.
For businesses, multiple claims may involve different states, former addresses, or previous company names. Managing the records, filings, and follow-up can become a project that internal teams lack the time or bandwidth to take on.
Stratum helps gather the required documentation, prepare claims, and manage follow-up, so you can pursue the recovery without taking on the entire process yourself.