There’s no single database that covers all unclaimed funds. To find what may be owed to you, use the specific databases below, based on the type of money you’re searching for.
From Employers
- Unpaid Wages: Check the Department of Labor for back wages your employer may owe you.
- Unclaimed Pensions: Search the Pension Benefit Guaranty Corporation (PBGC) for pension funds from former employers.
Unclaimed Insurance
- VA Life Insurance: Look up unclaimed insurance funds for veterans through the U.S. Department of Veterans Affairs.
- FHA Mortgage Insurance Refunds: If you had an FHA-insured mortgage, check the HUD refund database for possible refunds.
Taxes
- Tax Refunds: Use the IRS Where’s My Refund? tool if your refund hasn’t arrived.
- Stimulus Payments: If you missed any Economic Impact Payments (stimulus checks), you may need to file or amend your 2020 or 2021 tax returns. See the IRS guidance for claiming a Recovery Rebate Credit.
Investments
- SEC Enforcement Cases: Search the Securities and Exchange Commission for distributions from investment fraud or enforcement cases.
Bank Failures
- Closed Banks: Search the FDIC’s Unclaimed Funds from failed financial institutions.
- Closed Credit Unions: Use the NCUA’s Unclaimed Deposits search tool for credit union closures.
Savings Bonds
- Use TreasuryHunt.gov to find matured U.S. Savings Bonds that are no longer earning interest. You can also learn how to replace lost or damaged bonds.
Bankruptcies
- Search the U.S. Courts Unclaimed Funds Locator for money left over after bankruptcies.
Individual Indian Money (IIM) Accounts
- The Bureau of Trust Funds Administration (BTFA) manages IIM accounts for Native American and Alaska Native individuals. Use the “Whereabouts Unknown” tool to search for unclaimed accounts.
