Unclaimed Money from the Government

Find unclaimed funds held by the government that might be owed to you.

Infographic: Four Tips to Find Unclaimed Money

Explore free, official sources to find unclaimed money.

This infographic details free, official sources to find unclaimed money.

This infographic details free, official sources to find unclaimed money.  View a larger version of the infographic.

  • Four Tips to Find Unclaimed Money

    There is no central source to look for unclaimed money from the government that might be owed to you. While it can sometimes be hard to know where to start, this tool offers free, official sources of information to help you find your way:

    Compass with a Stack of Gold Coins in the Center

    • Search for unclaimed money and property in states where you have lived.
    • Check for unclaimed funds from bank failures or unclaimed deposits from credit union closures. 
    • Check for unclaimed back wages, pension money, or life insurance funds.
    • Search for unclaimed or undelivered tax refunds or a refund from an FHA-insured mortgage.

    Don't fall for scams from people who pretend to be from the government and offer to send you unclaimed money for a fee. Government agencies will not call you about unclaimed money or assets. 

    Brought to you by USAGov

Find Unclaimed Money

If the government owes you money and you do not collect it, then it's unclaimed. This also applies to banks, credit unions, pensions, and other sources. Learn where to look for unclaimed money and how you can avoid scams related to unclaimed funds.

Where to Look for Unclaimed Money  

Currently, the government does not have one central website for finding unclaimed money by name, Social Security number, or state. To find unclaimed money from the government, start with your state. Then you can check a number of other sources, such as:

States' Unclaimed Money

  • Search by State – Search your state’s listing of unclaimed funds and property.

Unclaimed Back Wages

  • Unpaid Wages – If you think you may be owed back wages from your employer, search the Wage and Hour Division's (WHD's) database of workers for whom it has money waiting to be claimed. WHD is a part of the U.S. Department of Labor (DOL).  

Life Insurance

  • VA Life Insurance Funds – Search the U.S. Department of Veterans Affairs (VA) for unclaimed insurance funds that are owed to certain current or former policyholders or their beneficiaries. Note: This does not include funds from Servicemembers’ Group Life Insurance (SGLI) or Veterans’ Group Life Insurance (VGLI) policies from 1965 to the present.  

Retirement

Taxes

  • Tax Refunds – The Internal Revenue Service (IRS) may owe you money if your refund was unclaimed or undelivered.

Banking, Investments, and Currency

  • Bank Failures – Search the Federal Deposit Insurance Corporation (FDIC) for unclaimed funds from failed financial institutions.
  • Credit Union Failures – Find unclaimed deposits from credit unions.
  • SEC Claims Funds – The Securities and Exchange Commission (SEC) lists enforcement cases where a company or person owes investors money.
  • Damaged Money – The Treasury Department will exchange mutilated or damaged U.S. currency.

Mortgages

  • FHA-Insurance Refunds – If you had an FHA-insured mortgage, you may be eligible for a refund from the U.S. Department of Housing and Urban Development (HUD). To search the HUD database, you will need your FHA case number (three digits, a dash, and the next six digits—for example, 051-456789).

Savings Bonds

International

  • Foreign Claims – U.S. nationals can find money owed to them from foreign governments after loss of property.

Unclaimed Money Scams

Beware of people who pretend to be the government and offer to send you unclaimed money for a fee. These scammers use a variety of tricks to get your attention, but their goal is the same: to get you to send them money. Government agencies will not call you about unclaimed money or assets.

Undelivered and Unclaimed Federal Tax Refund Checks

Every year, the Internal Revenue Service (IRS) has millions of dollars in tax refunds that go undelivered or unclaimed. 

Undelivered Federal Tax Refund Checks

Refund checks are mailed to your last known address. If you move without notifying the IRS or the U.S. Postal Service (USPS), your refund check may be returned to the IRS.

If you were expecting a federal tax refund and did not receive it, check the IRS' Where’s My Refund page. You'll need to enter your Social Security number, filing status, and the exact whole dollar amount of your refund. You may be prompted to change your address online. 

You can also call the IRS to check on the status of your refund. Wait times to speak with a representative can be long. But you can avoid the wait by using the automated phone system. Follow the message prompts when you call.

If you move, submit a Change of Address - Form 8822 to the IRS; you should also submit a Change of Address to the USPS.

Unclaimed Federal Tax Refunds 

If you are eligible for a federal tax refund and do not file a return, then your refund will go unclaimed. Even if you aren't required to file a return, it might benefit you to file if:

  • Federal taxes were withheld from your pay

and/or

If you didn't file a tax return because your wages were below the filing requirement, you can still file a return within three years of the filing deadline in order to get your refund. 

State Refund Checks

For information about your state tax refund check, contact your state revenue department.

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Last Updated: April 11, 2019