To find out if the federal government owes you money, search databases of individual agencies, as there is no centralized website of federal unclaimed money, reports USA.gov. Search MissingMoney.com or databases of individual state unclaimed property programs to find missing money that state governments owe you, recommends the National Association of Unclaimed Property Administrators.
Phone the IRS or use the Where's My Refund search engine at IRS.gov to locate lost tax refunds that the federal government owes you, suggests the Internal Revenue Service. Use the search engine on the Federal Deposit Insurance Corporation website to find accounts from failed banks, and use the National Credit Union Administration search engine to find accounts from failed credit unions, advises USA.gov, which also recommends locating unclaimed pensions using the Pension Benefit Guaranty Corporation search engine. Locate refunds from federal mortgages with the search engine at the U.S. Department of Housing and Urban Development website.
State unclaimed property offices indefinitely hold unclaimed money from bank accounts, stocks, payroll checks, insurance payments and other sources until you claim it, explains the National Association of Unclaimed Property Administrators. Click on your state on the interactive map at Unclaimed.org to access the state unclaimed property search engine. Alternatively, search most state unclaimed property databases at once through MissingMoney.com.