Free, Official Sources to Find Unclaimed Money

February 22, 2017

Does the government owe you money? There might be unclaimed funds or property waiting for you from savings or checking accounts, wages and pensions, tax refunds, life insurance policies, and a lot more. Companies may offer to find this money for a fee. And scammers may try to trick you with fake promises of money from the government. But you can find your unclaimed money yourself for free. Check out USAGov’s list of official sources to get started:

  • Search for unclaimed money and property in every state where you have lived.  You can conduct a multi-state search, check state-by-state for individual programs, or contact your state’s unclaimed property office for help. And keep an eye out at state fairs and even malls, where state treasurers and other officials hold public awareness events.

  • Check for unclaimed funds from bank failures or unclaimed deposits from credit union closures. Did you have money in a checking or savings account at a Federal Deposit Insurance Corporation (FDIC)-insured financial institution? If the financial institution closed, you can search the FDIC database. For unclaimed deposits from credit union failures, search the listings at the National Credit Union Administration (NCUA).

  • Look for unclaimed or undelivered tax refunds or a refund from an FHA-insured mortgage. The IRS may owe you money if you earned income in the past few years but did not file a tax return because your wages were below the filing requirement. To claim your refund, follow this guidance from the IRS. For undelivered tax refunds, use the Where’s My Refund tool to check your status. Did you purchase mortgage insurance from the Federal Housing Administration (FHA)? You may be eligible for a refund. Find out by searching the HUD database. You will need your FHA case number (three digits, a dash, and the next six digits—for example, 051-456789).

  • Search for unclaimed back wages, pension money, or life insurance funds. Are you owed unpaid wages from your current or a past employer? Check the Labor Department’s Wage and Hour Division’s records to see if you have money waiting to be claimed. You also may be owed a pension if a company you worked for went out of business or ended a defined plan. For your unclaimed pension search, you’ll need either the participant’s or beneficiary’s last name, the name of the company that provided the pension, or the state of the company's location. And you can check with the Department of Veterans Affairs (VA) for unclaimed life insurance funds if you’re a current or former VA life insurance policyholder or a beneficiary. This search is not for Servicemembers’ Group Life Insurance (SGLI) or Veterans’ Group Life Insurance (VGLI) policyholders.

Along the way, watch out for unclaimed money scams, when someone pretends to be from the government and offers to send you unclaimed money for a fee. Learn how to recognize these imposters and find out where to report them. Check out this infographic to help guide you when looking for unclaimed money. Explore more helpful money and shopping information and resources on USA.gov, your online guide to government information and services.

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