What Is Unclaimed Property and How Do You Claim It?
Unclaimed property includes dormant bank accounts, uncashed checks, forgotten securities, insurance payouts, utility deposits, and more. When institutions can't locate the owner, they turn property over to the state.
There is no deadline to claim unclaimed property — your money doesn't expire. The process is completely free. Never pay a finder service — all state databases are free at Unclaimed.org.
Free Unclaimed Assets Tools
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Unclaimed Money Checklist
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EITC Tax Credit Estimator
Up to $7,830
Possible unclaimed tax credits
You may also have unclaimed EITC from prior years — you have 3 years to claim.
$1,700+ avg claim
Walk every source
Step through every database — state property, IRS refunds, pension funds, and more.
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EITC Tax Credit Estimator
Up to $7,830
Also check missed credits
Check if you've missed EITC tax credits in prior years — claimable up to 3 years back.
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Benefits Match Quiz
15+ programs
checked at once
Answer 5 questions and see every program your household may qualify for — SNAP, Medicaid, Section 8, and more.
Types of Unclaimed Property to Search
Types of Unclaimed Property to Search
Check all these sources — there is no single database
| Type | Where to Search | Typical Amount |
|---|---|---|
| State unclaimed property | Unclaimed.org or your state site | $50 – $10,000+ |
| IRS tax refunds | IRS.gov "Where's My Refund" | $300 – $3,000+ |
| Lost 401(k) | FreeERISA.com, DOL database | $500 – $50,000+ |
| Pension benefits | PBGC.gov | Varies widely |
| Insurance payouts | NAUPA.org | $1,000 – $100,000+ |
| Deceased relative's assets | Probate court, state databases | Varies |
The search is always free. Never pay a service to find unclaimed money.
How to Find and Claim Unclaimed Money
1
Search MissingMoney.com
This multi-state database covers most states. Search your name, maiden names, and deceased relatives.
Full Search Guide →
2
Check Each State Where You Lived
Also check Unclaimed.org or each state's official unclaimed property site for every state you've lived in.
State Database Directory →
3
Search IRS Unclaimed Refunds
Go to IRS.gov and use "Where's My Refund." The IRS holds billions in unclaimed refunds with a 3-year window.
IRS Refund Guide →
4
File Your Claim Directly
Follow the state's free claim process. You'll verify identity. Claims process in 30–90 days.
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — and check for SNAP, Medicaid, and every other program you may qualify for.
All Unclaimed Assets Articles
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