How to Find Unclaimed Money by State

Unclaimed money is more common than most people realize. Billions of dollars are held by U.S. states when businesses and organizations cannot locate the rightful owner. This guide explains how to find unclaimed money by state and how to safely claim money that may be owed to you.
Illustration showing how to find unclaimed money by state in the United States

What Is Unclaimed Money?

Unclaimed money, also known as unclaimed property, refers to financial assets that belong to an individual or business but were never collected. When an owner cannot be contacted for a set period of time, these funds are legally turned over to the state for safekeeping.

Each state operates its own unclaimed property program, which is why unclaimed money searches must be completed on a state-by-state basis.

Common Types of Unclaimed Money

Unclaimed money can come from many everyday financial situations. You do not need to know exactly what you are searching for in advance, as many people discover unclaimed funds simply by searching their name.

Common types of unclaimed money include:
  • Forgotten bank or savings accounts
  • Uncashed payroll or refund checks
  • Insurance benefits or overpayments
  • Utility deposits
  • Stocks, dividends, or trust distributions
  • Safe deposit box contents

How to Find Unclaimed Money by State

Step 1: Identify States to Search

Start with any state where you currently live, previously lived, worked, or owned a business. Unclaimed money is often held in a state where you no longer reside, so it’s important to search more than just your current state.

Step 2: Search Official State Databases

Each state maintains its own unclaimed property database. Searches are free and usually only require a name and, in some cases, a city or ZIP code. Be sure to search name variations, including maiden names or initials.

Step 3: Review Results and File a Claim

If a match appears, review the listing details carefully. Once you confirm the listing may belong to you, follow the state’s claim process to verify your identity and submit required documentation.

Is Finding Unclaimed Money Legitimate?

Yes. Unclaimed money programs are run by official U.S. state government agencies and are completely legitimate. States hold these funds when businesses are unable to contact the rightful owner, and the money remains available until it is claimed.

You should never be required to pay a fee to a state to claim your unclaimed money. While third-party services exist, using a state’s official unclaimed property database is always free.

How Long Do States Hold Unclaimed Money?

In most states, unclaimed money is held indefinitely until the rightful owner comes forward. There is usually no expiration date or deadline to claim these funds, even if the money was turned over to the state many years ago.

Because new unclaimed property is reported every year, it’s a good idea to search state databases periodically — even if you have checked before.

Tips for Finding Unclaimed Money Faster

A few simple strategies can improve your chances of finding unclaimed money and help you avoid missing potential matches.
  1. Search using name variations, including initials and former names
  2. Check multiple states, not just where you currently live
  3. Search for family members if you may be an heir
  4. Recheck every few years, as new unclaimed funds are added regularly

Start Your Unclaimed Money Search

Finding unclaimed money by state is free, legitimate, and often surprisingly simple. With billions of dollars currently held by U.S. states, taking a few minutes to search could uncover money you didn’t know you were owed.

Start by selecting a state and searching its official unclaimed property database to see if unclaimed funds are waiting for you.
Search Unclaimed Money By State
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