People can search for lost funds using the search engine MissingMoney.com, which the National Association of Unclaimed Property Administrators maintains, or by searching the databases of individual state's unclaimed-property offices. A number of federal organizations also have databases where people can search for unclaimed money.
According to state law, financial institutions and businesses must turn over unclaimed funds, such as bank accounts, stocks, uncashed payroll checks, unclaimed security deposits and other lost funds to state unclaimed-property offices. To search a database that contains the records of most state unclaimed-property offices, go to MissingMoney.com, enter your name and resident state, and click on Go. Alternatively, to find links to searchable databases and contact information for individual state offices, go to Unclaimed.org, and click on the state in which you are searching on the interactive map.
Because there is no comprehensive database of lost funds maintained by the federal government, people must search the databases of federal organizations individually. For instance, the Federal Deposit Insurance Corporation has a database of unclaimed deposits from failed banks. The National Credit Union Association keeps a list of unclaimed credit union accounts. The U.S. Department of Housing and Urban Development has a database of homeowners owed refunds for mortgages. People can contact the Internal Revenue Service to search for lost tax refunds.