Here’s a full guide on how to find lost or unclaimed money in your name, including where to search, what to look for, and how to claim it — all while staying safe from scams:

1. Search Official State Databases

Start with state-run unclaimed property databases. When companies can’t reach you (like after a move), they’re required by law to turn over any remaining funds to the state.

  • Use MissingMoney.com: It’s a free, government-endorsed site used by many states.

  • Or go to Unclaimed.org, run by the National Association of Unclaimed Property Administrators (NAUPA), where you can link to your state's specific search tool.

Tip: Search all states you’ve lived or worked in — money can be held in multiple states.

2. Check Federal Sources

Not all money ends up with the states. Some agencies manage unclaimed funds separately:

  • IRS: Visit the Where’s My Refund? page if you think you missed a tax refund.

  • U.S. Treasury: Look up forgotten or matured savings bonds at TreasuryHunt.gov.

  • FDIC: Check for unclaimed funds from closed banks at fdic.gov.

  • National Credit Union Admin (NCUA): For closed credit unions, go to ncua.gov.

3. Look for Old Jobs, Pensions, and Insurance

  • Unpaid Wages: Use the U.S. Department of Labor search tool for back wages.

  • Retirement Benefits: Visit the PBGC Missing Participants Program to search for unclaimed pensions.

  • Life Insurance: Use the NAIC Life Insurance Policy Locator to see if you’re listed as a beneficiary.

4. Don’t Forget Utilities, Mortgages, and Other Refunds

You might have refundable deposits from:

  • Electric, gas, water, or internet companies

  • Mortgage overpayments or escrow account balances

  • Dormant PayPal or Venmo accounts

Search the state unclaimed property site or contact the company directly.

5. How to File a Claim

Once you locate unclaimed funds:

  1. Follow the instructions on the state or federal website.

  2. Provide documentation — usually your photo ID and proof of the address or account.

  3. Submit the claim online or by mail. Processing may take a few weeks to several months.

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