U.S. Treasury unclaimed money is money owed by the federal government to individuals who have not come forward to collect it. This might include savings bonds, mortgages, deposits from failed banks, tax refunds or retirement pensions.
An announcement on the website of the U.S. Department of the Treasury clarifies that there isn't an all-inclusive information service or database run by the government at which people can search for unclaimed money. Each federal agency manages its own records, and each site must be searched individually.
The Department of the Treasury has an Internet site called "Treasury Hunt" where searches can be made for undelivered savings bond interest and uncashed savings bonds that have stopped earning interest. Those with FHA-insured mortgages can search the U.S Department of Housing and Urban Development database to see if they are due refunds. Those with unclaimed deposits in failed financial institutions can search the database of the Federal Deposit Insurance Corporation. The Internal Revenue Service owes money to those whose tax returns are unclaimed or undelivered. The Pension Benefit Guarantee Corporation, a government agency, has records on pensions owed to those whose workplaces went out of business.
The USA.gov website warns against unclaimed money scams. Some people impersonate government agents and offer to send unclaimed money for a fee. However, federal officials do not phone individuals about unclaimed money, and unclaimed money can be found and recovered for free.