Quick answer: Search MissingMoney.com (the official multi-state database run by state treasurers) and your own state’s unclaimed property website. Both are free. Never pay a “finder” service; you can claim the money yourself.
Key Takeaways
- Search MissingMoney.com and your state treasurer site for free
- Never pay a finder; you can claim it yourself
- Check federal sources too: IRS, Treasury Hunt, FDIC, PBGC
- Heirs can claim money owed to deceased relatives
What counts as unclaimed money
When a company cannot reach you, it eventually turns the money over to the state. Common sources include old bank accounts, utility deposits, uncashed paychecks, insurance payouts, stock dividends, and refunds. States hold the funds indefinitely until the owner claims them.
Step 1: Search MissingMoney.com
Enter your last name and first name, then filter by state. Search maiden names, previous addresses, and relatives who have passed away, since heirs can claim.
Step 2: Search your state directly
A few states are not fully in the national database, so also search your state treasurer or comptroller’s unclaimed property page. Search each state you have lived in.
Step 3: Check federal sources
- IRS: undelivered tax refunds via Where’s My Refund
- Treasury Hunt (treasurydirect.gov): matured savings bonds
- FDIC / NCUA: deposits from failed banks and credit unions
- PBGC: unclaimed pensions
- HUD: FHA mortgage insurance refunds
Step 4: File the claim
Claims are filed online through the state site. You will need to prove identity and connection to the address on record, usually with a photo ID and a document showing that address. Simple claims are often paid within a few weeks; estate claims take longer.
Avoiding scams
Legitimate state programs never charge to search or claim. Be suspicious of letters offering to “recover” funds for a percentage; look up the property yourself first.
FAQ
Is unclaimed money taxable? The principal usually is not, but any interest paid may be. Check with a tax professional for large amounts.
How often should I check? Once a year is reasonable; new property is reported continuously.
Can I claim money for a deceased parent? Yes, with documentation such as a death certificate and proof you are an heir or executor.
Sources
Last updated: August 15, 2026. Written by the InfoBrief Editorial team. We link to official government and company sources and update articles when facts change. See our disclosure.