If a business, government office, or other source owes you money that you don’t collect, it's considered unclaimed.
The federal government doesn’t have a central website for finding unclaimed money. But you don’t need to hire a company to find unclaimed money for you. You can find it on your own for free, using official databases.
1. Search For Unclaimed Money in Your State
Businesses send money to state-run unclaimed property offices when they can’t locate the owner. The unclaimed funds held by the state are often from bank accounts, insurance policies, or your state government.
Start your search for unclaimed money with your state’s unclaimed property office.
Search for unclaimed money using a multi-state database. Perform your search using your name, especially if you’ve moved to another state.
Verify how to claim your money. Each state has its own rules about how you prove that you’re the owner and claim the money.
2. Search for Money from Employers
Unpaid Wages – The Department of Labor (DOL) may recover back wages for you if your employer broke labor laws. If you think you may be owed back wages from your employer:
Search DOL’s database of workers who have money waiting to be claimed. DOL holds unpaid wages for up to three years.
Pensions from Former Employers – Search for unclaimed pensions from companies that either:
Went out of business or
Ended a defined pension plan
3. Search for Money from Insurance
VA Life Insurance Funds – Search the U.S. Department of Veterans Affairs (VA) database for unclaimed insurance funds.
The VA may owe money to current or former policyholders or their beneficiaries.
This database doesn’t include funds from:
Servicemembers’ Group Life Insurance (SGLI)
Veterans’ Group Life Insurance (VGLI) policies from 1965 to the present
FHA-Insurance Refunds – If you had an FHA-insured mortgage, you may be eligible for a refund. FHA insurance refunds are issued by the U.S. Department of Housing and Urban Development (HUD).
Search the HUD database with your FHA case number. Case numbers have three digits, a dash, and the next six digits—for example, 051-456789.
4. Search for Money from Tax Refunds
Tax Refunds – The Internal Revenue Service (IRS) may owe you money if your refund was unclaimed or undelivered.
5. Search for Money from Banking and Investments
Bank Failures – Search for unclaimed funds from failed financial institutions. The Federal Deposit Insurance Corporation (FDIC) lists them.
Credit Union Failures – Find unclaimed deposits from credit unions.
SEC Claims Funds – The Securities and Exchange Commission (SEC) lists enforcement cases in which a company or person owes investors money.
6. Search for Unclaimed Money from a Bankruptcy
A bankruptcy creditor is someone who is owed money by a person or business which declares bankruptcy. Sometimes, the money owed to creditors remains undistributed by the bankruptcy court for a variety of reasons.
Check to see if you may be owed money using the U.S. Courts Unclaimed Funds Locator.
7. International Unclaimed Money
Foreign Claims – U.S. nationals can find money owed to them from foreign governments after the loss of property.