What counts as unclaimed property
When an account or payment goes untouched for a set period, the holder must send it to the state. Common examples include:
- Dormant checking and savings accounts
- Uncashed paychecks and refund checks
- Insurance policy proceeds and refunds
- Utility and rental security deposits
- Stocks, dividends and other securities
- Contents of abandoned safe-deposit boxes
Step 1: Search every state where you have lived
Each state runs its own program. Search the unclaimed property site for every state where you have lived or worked. The national association of state administrators (NAUPA) lists them, and MissingMoney.com offers a combined search across participating states. Try variations of your name, and search for any business you owned or relatives who have died.
Step 2: Match the listing to you
Listings usually show a name, last known address and amount. Compare the address and details with your own history. If a result is not yours, move on. Small amounts count too, since they can be claimed the same way.
Step 3: File the claim
Follow the state site's instructions. You will typically provide identification, proof of the address or account connection, and a signed claim form. Larger claims may require notarization or more documentation. Keep copies of everything you submit.
Step 4: Wait and follow up
Processing time varies. Many claims resolve in weeks, others take months. Use the claim number to check status, and respond quickly to any request for more information.
Beware of fee-charging "finders"
Some companies contact people offering to recover unclaimed property for a percentage. You can file the same claim yourself for free. Be especially careful with unsolicited messages and with any request for payment upfront. Official state sites and MissingMoney.com do not charge you to search.
After you find money
Plan what to do with it before it arrives. Build or top up your emergency fund, pay down high-interest debt or put it into savings. For other places to look, see the full checklist.
Common questions
Is searching for unclaimed property free?
Yes. State sites and MissingMoney.com are free to search, and you can file claims yourself at no cost.
How often should I check?
Every year or two, and after a move, a job change or the death of a relative. New property is reported regularly.
What if I find money in a state I never lived in?
Check the details. It could be from a business, a relative or a name match. Only claim property that is yours.
Does unclaimed money expire?
Generally the state holds it until the owner or heirs claim it, but rules vary by state and property type. Check the state site.