Financial accounts can often be forgotten about, especially during the inheritance process. If all a decedent’s accounts are not listed during the process of estate planning, it can be very easy for an heir to overlook an account. The account may then sit dormant for years, if not decades, accumulating interest, dividends or capital gains.

MissingMoney does not currently have data on Washington, Oregon, California, Wyoming, Kansas, Pennsylvania, Georgia, Connecticut, New Jersey, and Delaware. While the question begs to be asked — who on earth would lose track of a CD, escrow account or [deep puzzlement] a 401(k)? People lose track of their money or financial property because of a change of address, a death, or because they inherited something they didn’t know about. As part of our mission to protect consumers, Commerce is committed to reuniting Minnesotans with money that has gone missing. Unclaimed money is quite common, so there’s a chance you may have some waiting for you. Take advantage of the financial services available to you so that you don’t leave money on the table.

MoneyScammers want to steal your stimulus check — here’s what you should know

The short amount of time you’ll spend searching these databases could pay off big time. In a state like California, the average amount returned to an individual is $201.12, and in New York state it’s $704.85! In fact, each day, the state comptroller’s office in New York returns $1.5 million to claimants. If you’re just dipping your toe in the world of unclaimed money, there are a few simple searches you can perform to see what’s out there.

These services will almost always charge a fee, but you don’t have to use them. These organizations, sometimes called “locators” or “finders,” are professionals at finding abandoned property and unclaimed funds. They are usually legitimate businesses licensed through the state that can help you find and claim property. To search in your specific state, the first thing you’ll need to do is find your state’s official unclaimed property website (see below).

If you know the agency, contact them

If you think you have unclaimed money at the VA, you can run through the Unclaimed Funds database at the VA’s official website. Typically, those who did not receive their stimulus checks should claim that amount on their next tax returns via the Recovery Rebate Credit. If you’ve missed any of the stimulus payments, you can check the status through the IRS’s website at Get My Payment. This site also has more specific information on what to do if you’re unsure if you qualified for payments in the first place. Because bankruptcy funds go through the state and federal court system, you typically won’t find these doing a standard state search. Search the Unclaimed Funds database to see if you’re owed any unclaimed cash.

  • AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age.
  • Before paying, take the time to vet the service on social media pages or look into any testimonials that may be available online.
  • Using this site is ideal for someone who has lived or worked in multiple states since it will display any results within the partnering states on the same page.
  • (You might as well check every state you’ve ever lived in for your own unclaimed property, while you’re at it.) You may find yourself taken to, a free site endorsed by NAUPA.
  • If you find any unclaimed property on the state website, you may be able to reclaim it with a simple online form.
  • Have you owned a life insurance policy, or do you think a deceased relative had one?

This association consists of state officials charged with the responsibility of reuniting lost owners with their unclaimed property. With so many potential sources of unclaimed funds, it’s possible you have a considerable amount of money waiting to be claimed. It’s important to claim any money you find because that cash can be crucial in helping you reach your financial goals. How to use those unclaimed funds is dependent on your individual situation, and there are plenty of ways the money can be useful. Checks for cash that have been claimed can be deposited into a high-yield savings account. Select ranked Marcus by Goldman Sachs High Yield Online Savings as the best high-yield savings account for no fees.

What to do with funds you’ve claimed

This search can also be performed for a deceased relative though you’ll likely need to provide information like bank statements that prove your right to the funds. Once your identity has been verified, the state usually issues a check for the unclaimed funds. The accounts have had no activity or contact with their owners for a year or more. Many people out there may find unclaimed money from previous employers.

Unclaimed Money And How To Find It

The PBGC runs a database that you can search to see if you have unclaimed pension plan money. Because it’s managed by federal and state agencies, there’s not a lot of publicity around it. Most people read about unclaimed money and assume it’s a scam because it sounds too good to be true. However, it is very real, and regular people just like you are finding money every day. Using this site is ideal for someone who has lived or worked in multiple states since it will display any results within the partnering states on the same page. However, if you wish to search a state that’s not partnered with this organization, you can visit the state office responsible for unclaimed property.

Government information

Be sure to search in every state where you have had an address. Have you owned a life insurance policy, or do you think a deceased relative had one? For life insurance policies covering pre-Vietnam-era service members and service-disabled veterans, conduct a search at As you can tell, there are a multitude of places you can check for unclaimed funds.

How do I know if I have stocks and bonds?

U.S. Treasury securities

You can use the Treasury Hunt search engine, at, to track down matured savings bonds or missed payments from securities. Click on "Search for Your Securities in Treasury Hunt." Simply type in your Social Security number to start.

You’ll want to work through the state where the policy was bought. That’s the state that counts, not where the insurer was located or where the policyholder died. It’s very common for taxpayers to relocate before they receive their income tax refund checks or to even provide an incorrect address to the IRS. If this sounds like you, contact the IRS to track down your refund.

Local, state, and federal government websites often end in .gov. State of Georgia government websites and email systems use “” or “” at the end of the address. Before sharing sensitive or personal information, make sure you’re on an official state website.