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What Is Unclaimed Property?
When financial accounts or assets go unclaimed for a certain period (typically 3–5 years), companies are required by law to hand over those funds to the state. The state holds them indefinitely — until the rightful owner or heir claims them.
Common types of unclaimed property:
- Bank accounts and savings accounts
- Life insurance policy proceeds
- Stock dividends and mutual fund distributions
- Utility security deposits
- Uncashed paychecks
- Safe deposit box contents
- Tax refunds and government checks
How to Search for Free
Searching is completely free through official state websites. You should never pay a third party to find or claim your property.
Steps:
- Step 1: Visit your state's official unclaimed property website (linked below)
- Step 2: Search by your name and/or previous addresses
- Step 3: Check states where you previously lived or worked
- Step 4: Submit a claim online — most states process claims in 4–8 weeks
The national search tool MissingMoney.com (run by NAUPA) lets you search most states at once.
Official State Search Links
Use these official, free government resources — no account or payment required:
- National (Multi-State): missingmoney.com — searches most states simultaneously
- All States: unclaimed.org/state-links — official NAUPA directory of every state
- Federal: usa.gov/unclaimed-money — federal unclaimed funds including IRS refunds
Recommended Tools & Services
Affiliate links — we may earn a commission at no cost to you.
Official NAUPA Tool
MissingMoney.com
The official multi-state unclaimed property search — run by the National Association of Unclaimed Property Administrators.
Search All States →
Unclaim.org
Additional unclaimed property resources, tips, and state-by-state guides to maximize your search.
Learn More →
Heir Locator Services
If you're searching for a deceased relative's assets, specialized heir-finder services can help track down hard-to-find accounts.
Find Out More →
Disclosure: SettlementRadar may earn a commission when you use links on this page. This helps keep our settlement tracking service free. We only recommend tools we believe are useful. This page is for informational purposes only and does not constitute financial advice.
