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Find Unclaimed Money in Your Name – Billions Go Unclaimed Each Year

Explore our guide to see if you’re owed unclaimed property in your state – from old paychecks to forgotten bank accounts.

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How to Find Unclaimed Money in Your Name

A Step-by-Step Guide to Reclaim What’s Yours

Every year, billions of dollars in unclaimed money sits waiting to be claimed — and some of it could belong to you. Unclaimed money includes forgotten bank accounts, uncashed checks, insurance payouts, utility deposits, and more. This step-by-step guide shows you exactly how to find unclaimed money in your name, where to search, and what to do once you find it — safely and for free.
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Why People Have Unclaimed Money

Unclaimed money usually happens when organizations lose contact with you. Common reasons include:
  • Moving to a new address
  • Changing your name after marriage or divorce
  • Switching jobs or employers going out of business
  • Forgotten bank or investment accounts
  • Uncashed checks or refunds
  • Life insurance payouts you didn’t know existed
States are legally required to hold these funds until the rightful owner claims them.

Step-by-Step: How to Find Unclaimed Money in Your Name

Before you start searching, have this ready:
  • Full legal name (include maiden or previous names)
  • Current and past addresses
  • Date of birth (sometimes required)
  • Names of past employers or businesses you worked with
This helps ensure accurate search results.
Every U.S. state operates an official unclaimed property website, usually managed by the State Treasurer or Comptroller. Search the state where you:
  • Currently live
  • Previously lived
  • Worked or ran a business
Many people find money in multiple states.

If you’ve ever moved, worked remotely, or had financial accounts tied to another state, you should search each state individually.

Unclaimed money does not automatically transfer when you move.

In addition to state databases, search these federal sources:

These are separate from state unclaimed property systems.

If you find a match:
  • Confirm addresses and amounts
  • Verify the holder (bank, employer, insurance company)
  • Take note of claim instructions
Legitimate claims will never require upfront payment.

What Types of Unclaimed Money Can You Find?

Unclaimed property can include:

  • Bank and savings accounts
  • Payroll or refund checks
  • Utility deposits
  • Insurance benefits
  • Stocks and dividends
  • Trust distributions
  • Safe deposit box contents

Some claims are small — others can be worth thousands of dollars.

Don’t Leave Money Behind: Take Action Now

Searching for unclaimed money is free, fast, and worth your time. Many people discover forgotten funds simply by checking official databases. If you haven’t searched yet, now is the best time to start.
Don’t let your money go unclaimed. Get YOUR Money BACK! Start Searching Today!

Is It Safe to Search for Unclaimed Money Online?

Yes — as long as you use official state and federal websites. Stay safe by:
  • Avoiding sites that demand upfront fees
  • Never sharing your Social Security number unless required by a verified state portal
  • Knowing that states do not charge to claim money
Third-party services may charge finder’s fees, but they are optional.

What to Do After You Find Unclaimed Money

Once you submit a claim:
  1. Upload identity verification documents
  2. Submit proof of address or ownership
  3. Wait for processing (often 2–12 weeks)
Payments usually arrive by check or direct deposit.

How Long Does Unclaimed Money Stay Available?

In most states, unclaimed money never expires.

States hold funds indefinitely until claimed by the rightful owner or heir.

How to find unclaimed money in your name using official state and federal databases

Frequently Asked Questions About Unclaimed Money

Unclaimed money is financial property turned over to the state after being inactive or undeliverable for a set period.

No. States do not charge fees to claim your money.

Yes. You’ll need proof of relationship and estate documentation.

Most claims are processed within a few weeks to a few months, depending on the state.

Yes — and you should if you’ve ever lived or worked elsewhere.