The 14 Best Sites For Unclaimed Money

Does the government owe you?

A woman counts money she found through unclaimed money websites.

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More unclaimed money stacks up every single year due to incorrectly addressed tax refunds, forgotten retirement and pension accounts, and life insurance policies that the survivors never knew about. In the United States, billions of dollars sit in unclaimed accounts, typically held in trust by states and various agencies.

If any of that unclaimed money is yours, the only way to claim it is to seek it out yourself.

How to Find and Claim Unclaimed Money

Finding unclaimed money used to be extremely difficult, but the internet has made it far easier. State governments, the federal government, and numerous governmental agencies all maintain sites where you can search for unclaimed money, if you just know where to look.

We've compiled the 14 best sites to find unclaimed money, including money owed by the Internal Revenue Service (IRS), lost bank accounts, forgotten pension funds and life insurance policies, and more.

When looking for unclaimed money, try to use official sites whenever possible. Never provide personal information, like your social security number, to a site you don't trust. The sites in our list are all official or well regarded, but some of them may link to unofficial sites of unknown provenance. The Federal Trade Commission maintains a site that can help you spot Government imposter scams.

01
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Unclaimed Tax Refunds: Official IRS Unclaimed Tax Money Search

A screenshot of the official IRS unclaimed tax refunds site.

What We Like

  • This is the only official source for unclaimed tax money.

What We Don't Like

  • You can't use the search unless you know how much they owe you.

The best place to find unclaimed tax refund money is through the official IRS site. When the IRS fails to provide a refund due to a check being returned or undeliverable, or any other reason, you can use this site to find out.

Unclaimed refund money is only available for three years after the original filing date.

02
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Unclaimed State Taxes: National Unclaimed Property Authority

A screenshot of Unclaimed.org

What We Like

  • Official way to find unclaimed state tax refunds.

  • Also helps find savings accounts, stocks, travelers checks, and more.

  • Links to official state sites.

What We Don't Like

  • Doesn't include a search function.

  • You need to run your actual search on the appropriate state site.

The National Association of Unclaimed Property Administrators is a group that works with every state in the United States, Puerto Rico, the U.S. Virgin Islands, several Canadian provinces, and the government of Kenya to help people find their unclaimed property.

This site doesn't have any search functions of its own, but it does act as a clearing house for unclaimed property sites administered by individual governments. Just click each state, territory, or province where you have lived or owned property, and you'll be directed to an official unclaimed property search for that area.

03
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Unclaimed Bank Accounts, Stocks, and More: Missing Money

A screenshot of the Missing Money site.

What We Like

  • Finds bank accounts and safe deposit boxes, stocks, unpaid wages, insurance policies, utility deposits, and more

  • Includes an on-site search that will find your unclaimed money

  • Endorsed by NAUPA

What We Don't Like

  • Uses government databases, but it isn't an official government site.

Missing Money doesn't have any records of its own, but it is able to find your unclaimed money through a variety of sources. It's also officially endorsed by NAUPA, so you can be sure that it's a legitimate site.

To use this site, you enter your name and a state where you either live or have lived in the past. The site will then search the databases it has access to and let you know if it finds any money.

04
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Unclaimed Money: Credit Karma

A screenshot of the Credit Karma unclaimed money site.

What We Like

  • Helps you find money that businesses turned over to the state when they were unable to find you

  • Free to use

What We Don't Like

  • Not an official resource

  • Requires an account

Credit Karma is best known for free credit monitoring services, but the site also features an unclaimed money search function. This isn't an official government source, but it does search government databases.

Unlike most unclaimed money sites, Credit Karma does require an account to use it. If you already have a free Credit Karma account for their credit monitoring service, you can use the same account to search for unclaimed money.

05
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Unclaimed Wages: Workers Owed Wages

A screenshot of the Workers Owed Wages site.

What We Like

  • Helps you find wages that a current or previous employer owes you

  • An official site from the Wages and Hours Division

What We Don't Like

  • It's a very niche site, so it isn't useful if an employer has never withheld wages

Workers Owed Wages is an official site operated by the Wages and Hours Division. It allows you to search employers by name and check to see if you're owed any back wages. If you suspect that a current or past employer may owe you money, this is the best place to check.

06
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Unclaimed Bank Funds: FDIC

A screenshot of the FDIC unclaimed funds site.

What We Like

  • Helps you locate unclaimed funds from bank accounts at failed banks

  • An official resource from the FDIC

What We Don't Like

  • This is a niche site that only applies if you've had a bank account at a failed bank

When money is lost due to a bank failure, the entire point of the FDIC is to provide some level of protection. If you think you may be owed money due to a bank failure, this site provides an official way to search for just that kind of unclaimed money.

To use this site, you need to know the name of the failed bank and the city where it was located. If you have a check that's no good due to the bank having failed, you'll also need the check number.

07
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Unclaimed Credit Union Funds: NCUA

A screenshot of the NCUA unclaimed funds site.

What We Like

  • Helps you locate unclaimed funds from credit union accounts at liquidated credit unions

  • An official resource from the NCUA

What We Don't Like

  • This is a nice site that's only helpful if you've been affected by a liquidated credit union

This is similar to the previous site, but it's for Credit Unions instead of regular banks. If you think you're owed money due to the liquidation of a credit union, this site provides you with an official method to find out.

Rather than offering an automated search, the site provides a list of accounts and names. So if you see your name on that list, you may have some unclaimed money coming your way.

08
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Unclaimed, Lost or Stolen Savings Bonds

A screenshot of the TreasuryDirect page to claim unclaimed savings bonds.

What We Like

  • Helps you claim funds that are tied up in lost or destroyed bonds

  • An official service of the Treasury Department

What We Don't Like

  • There's no option to get a new paper bond, only an electronic one

  • This site isn't useful if you've never lost a bond

If you believe that you own, or owned, a bond that you've lost, or which has been destroyed, this site provides a method to get it back.

Treasury Direct also offers an online service to check the value of a paper bond.

09
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Unclaimed Pension Funds: Pension Benefit Guaranty Corporation

A screenshot of the unclaimed pension search site.

What We Like

  • Helps you find unclaimed pension funds

  • An official resource from the Pension Benefit Guaranty Corporation, which is a government agency

What We Don't Like

  • This is only useful for finding pensions

If your pension fund failed, and it was insured, then the Pension Benefit Guaranty Corporation may owe you some money. It might not be the full value of your pension prior to the failure of the fund, but it's still worth checking.

10
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Unclaimed Retirement Plans: National Registry of Unclaimed Retirement Benefits

A screenshot of the Unclaimed Retirement Benefits site.

What We Like

  • Helps you find retirement plan account balances that have gone unclaimed

  • Although this site requires your social security number, it doesn't request any other identifying information

What We Don't Like

  • This isn't an official government site, and it does request your social security number

This is an official site where you can check for unclaimed retirement plan money. If you ever qualified for a retirement plan, and you didn't get the money, this site may help you claim your funds.

11
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Unclaimed Investor Funds: Securities and Exchange Commission

A screenshot of the SEC claims page.

What We Like

  • Helps locate funds owed to you due to class action suits, your broker-dealer going out of business, and other investment-related issues

  • An official service of the U.S. Securities and Exchange Commission

What We Don't Like

  • The site is complicated and difficult to navigate

  • This is a niche site that's only useful if you're a harmed investor

If you've ever lost money as a harmed investor, the SEC may be able to help you. This is an official site that provides a wealth of information and resources for harmed investors that can help you get relief.

12
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Unclaimed Insurance Funds: U.S. Department of Veterans Affairs

A screenshot of the US Department of Veterans Affairs unclaimed funds site.

What We Like

  • Helps locate unclaimed insurance funds from Servicemembers Group Life Insurance and Veterans Group Live Insurance

  • An official U.S. government resource

What We Don't Like

  • This is a niche site that's only useful if you have a deceased veteran family member who had a specific life insurance policy

If you've lost a family member who serviced in the military from 1965 through the present day, and they had a live insurance policy, this site will help you find it. You'll need to know the veteran's name in order to initiate a search.

13
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HUD Refunds: Unclaimed Refunds From HUD

A screenshot of the HUD FHA refund page.

What We Like

  • Helps you locate unclaimed funds from FHA-insured mortgages

  • An official resource from HUD

What We Don't Like

  • This is a very nice site, as it's only applicable if you're owed money due to an FHA-insured mortgage

  • You need a lot of information, including your case number

This is one of the more niche sites for finding unclaimed money, but it is an official source. If you believe that you might be owed money due to an FHA-insured mortgage, this site provides a way to search for that.

To use this site, you'll need your name, FHA case number, city and state.

14
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Unpaid Foreign Claims: Foreign Claims Settlement Commission

A screenshot of the FCSC unpaid foreign claims site.

What We Like

  • Helps you locate funds that you're owed due to foreign claims

  • An official service of the Bureau of the Fiscal Service

What We Don't Like

  • This is a niche site that's only applicable if you've lost money in a foreign country

  • There's no on-site search, only access to forms

This is an official Department of the Treasury site, where you can search for unclaimed money that might be owed to you due to an unpaid foreign claim that was certified by the Foreign Claims Settlement Commission.

If you've never suffered a loss due to the nationalization of property by a foreign government, or a loss due to military operations, this site won't find any money for you.