Where to Look for Lost and Forgotten Money

If you get a call or text regarding unclaimed property that may belong to you, it’s probably from scammers trying to collect information about you and your finances. Many people lose track of old accounts or never receive checks mailed to an old address. However, you don’t need to pay anyone to retrieve unclaimed property that is rightfully yours, and it’s not difficult to search for it yourself — if you know where to look.



The federal government, all 50 states, and the District of Columbia have unclaimed property programs, including online resources or databases intended to help people reunite with their lost money. Could you be one of the millions who might find their names, and a chunk of change, if they take the time to look?

Companies and financial institutions are generally required to turn assets over to the state if they have lost contact with the rightful owner for one year or longer. Unclaimed property might include financial accounts, stocks, uncashed dividend and payroll checks, utility deposits, insurance payments and policies, trust distributions, mineral royalty payments, and the contents of safe-deposit boxes. State-held funds generally can be claimed in perpetuity by original owners and heirs.


Claimed Property by the Numbers (FY 2020)

About one in 10 Americans has unclaimed property held by states.

Clamed property, FY 2020: Total funds returned were $2.87 billion; average claim paid was $1,609.95; median claim paid was $100.

Source: National Association of Unclaimed Property Administrators, 2021


Most states participate in a national database called Missing Money. Searching on MissingMoney.com is free. Make sure to search the specific databases for every state where you (or your close family members) have lived.

Federal agencies also hold on to unclaimed property such as tax refunds, pension funds, funds from failed banks and credit unions, refunds from FHA-insured mortgages, and unredeemed savings bonds. There is no central database for federal agencies, but you can find more specific information about where to look at usa.gov/unclaimed-money.

Helping You Achieve Your Financial Goals

Jason Denis is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK and WA. No insurance business may be conducted outside the specific states referenced.

*Jason Denis is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the states of AK and WA. No offers may be made or accepted from any resident outside the specific states referenced.

**Jason Denis is also separately registered as an Investment Adviser Representative, under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AK and WA. As such, these services are strictly intended for individuals residing in AK and WA.

Vision Financial Group is not owned or operated by NYLIFE Securities LLC or its affiliates.