State unclaimed property
Old bank accounts, uncashed checks, refunds and deposits. MissingMoney covers most states. Hawaii has its own site.
Free guide
Find unclaimed money and lost life insurance
Search in your own name, and for a spouse or parent who died. These official searches are free.
- Free official searches
- Checked October 14, 2026
1 in 7
people have unclaimed property, by NAUPA's estimate.
National Association of Unclaimed Property Administrators
Nearly $17 billion
in life insurance and annuities matched by the NAIC's free policy locator, through July 2026.
National Association of Insurance Commissioners, September 2026Never pay a finder fee. Official state programs never charge to search or to claim. A call or text asking for a fee or personal details is a scam. Read the FTC alert
Search in your own name
Search every state you've lived in, and try past names and misspellings.
Unclaimed pensions
From private employer plans that ended. Search with your last name and the last four digits of your Social Security number.
Old workplace retirement plans
Only you can search this one, with your own Login.gov account.
Failed banks and credit unions
Deposits from closed banks and credit unions. After 18 months, unclaimed bank deposits go to the state, so search there too.
FHA mortgage refunds
If you had an FHA-insured mortgage, check whether HUD owes you a refund.
Court funds and back wages
Money from bankruptcy cases, and wages the Labor Department couldn't deliver.
For a spouse or parent who died
Search their name too. Claims for someone who died need extra proof.
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Life insurance and annuities
The NAIC's free locator asks insurers to look for their policies. You'll hear back only if you're the beneficiary or have legal authority. It can take 90 business days or more.
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State unclaimed property
Search their name in every state they lived in. Claims as an heir need extra proof.
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Lost savings bonds
Treasury Hunt ended on September 30, 2025, so there's no search. Treasury has separate forms for bonds of someone who died.
Search again each year. MissingMoney adds new property daily, and PBGC updates its pension list every three months.
Make sure your family knows what you have
Money goes unclaimed when nobody knows an account exists. We help you list your accounts and where each original is kept.