Top 12 websites to check for Unclaimed Funds

Unclaimed Funds typically comprise of:

  • Bank accounts, CDs
  • Safe deposit box contents or if auctioned, funds from auction
  • Stocks, mutual funds, bonds, and dividends
  • Uncashed checks and wages including refunds and security deposits
  • Uncashed tax refunds
  • Insurance policies and trust funds
  • Utility deposits and escrow accounts

1. Individual State Databases

Start with the State where you or your relative last lived.  Continue to check each State where he/she has lived. www.unclaimed.org

This website is run by The National Association of Unclaimed Property Administrators (NAUPA).  For links to the State’s website for Unclaimed Funds, click here.

 2. Aggregated States Database – Missingmoney.com

Missingmoney.com is an aggregate database comprised of data from many States.  Note that not all States contribute data to this site and the States that contribute don’t provide complete records to protect your privacy.  Check here to see if your State provides data to missingmoney.com.

You can search multiple States here by choosing “All States and Provinces”.

3. Federal Tax Refunds

If you are expecting a refund, or didn’t cash a prior refund check, you can look it up on the IRS website or click on “Where’s my Refund” on irs.gov.

If you didn’t or are not required to file a return, but, may have monies owed to you read this article on how to claim it.

If you have an expired refund check from a federal agency including the IRS, you need to contact the agency directly.  NOTE:  Unclaimed state tax refunds are included in the State’s database.

4. Unclaimed Back Wages

If you think you may be owed back wages from your employer, search the Wage and Hour Division’s (WHD) database of workers.  The US Department of Labor may have this information.

 5. Unclaimed Savings Bonds

Savings bonds take 30 to 40 years to mature. Unless someone has been diligent in including this in their will, it’s likely that no one knows about it.  The Treasury Department has set up a website, where you can find unclaimed bonds by typing in your social security number or other information requested. This system only provides information on Series E bonds issued in 1974 and after and those that have reached final maturity and no longer earning interest.  Additional information about Bonds from other Series and Bonds can be found here.

6. Unclaimed Pensions

If you had a Pension plan from a company that filed for bankruptcy, you can find Pension information at the Pension Benefit Guaranty Corporation. If your company still exists, call the company’s benefits department.

 7. Lost Life Insurance Policies

States typically capture life insurance claims that aren’t settled.  Several major life insurance companies have established online lost policy finders.  You can search these websites to at no cost to you.  Here are links to some of the largest insurance companies.  MIB, a non-profit consortium or insurance companies captures information about applications for policies taken by its members..  This information covers only underwritten life insurance applications from January 1, 1996 onward .  MIB Group Inc. can provide you information about whether an individual applied for a policy and to which institution.  You can also check  for more information here.

8. Failed Bank Accounts

You can search the Federal Deposit Insurance Corporation (FDIC) for unclaimed funds from failed financial institutions.

9. Failed Credit Union Accounts

You can find unclaimed deposits from credit unions at the National Credit Union Administration (NCUA).

10. Retirement Funds

The Employee Benefits Security Administration (EBSA), is the federal agency charged with overseeing retirement benefit plans. If an unclaimed retirement plan existed, any remaining funds are sent to the State of the owner’s last known address.  If you or deceased belonged to a plan that was abandoned by an employer or union, you can check for it here.

11. Lost 401(k) Funds

The National Registry is a nationwide, secure database listing of retirement plan account balances that have been left unclaimed. Its goal is to help match employers with abandoned or forgotten employee retirement account balances with the former employees who they rightfully belong to.  Although the largest such database, there are some providers who may not participate in providing data to it.  You can search here.

12. International

Foreign Claims Settlement Commission (FCSC) determines the validity and valuation of claims of U.S. nationals for loss of property in foreign countries.  These losses can occur as either a result of nationalization of property by foreign governments or from damage to or loss of property as a result of military operations, or injury to both civilian and military personnel.  Additional information can be found here.

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