How to Find Unclaimed Money: Old Accounts, Dividends and 401(k)s
When a bank account, uncashed paycheck, refund, insurance payout or dividend goes untouched for long enough, the company usually has to hand the money to the state, which holds it until the owner claims it. Searching is free.
Checked October 1, 2026.
Where to search
| What | Where to look |
| Old bank accounts, uncashed checks, refunds, dividends, safe deposit boxes | Your state's unclaimed property office (via Unclaimed.org) or MissingMoney.com, which searches many states at once |
| Old 401(k)s from previous jobs | Department of Labor Retirement Savings Lost and Found database, and former employers' plan administrators |
| Federal tax refunds | IRS "Where's My Refund?" tool |
| Savings bonds | TreasuryDirect Treasury Hunt |
| Pensions | Your former employer, or the PBGC if the plan was taken over |
Search every state you've lived or worked in, under your current and previous names.
How to claim
- Find the listing and submit a claim on the official state site.
- Prove your identity and connection to the address listed.
- Wait for processing, usually a few weeks to a few months.
Avoid "finder" scams
Claiming your own money from a state is free. Be wary of anyone who contacts you offering to recover money for a percentage or an upfront fee, or who asks for bank details by phone. Use only official .gov or state sites. See how to check if an investment or company is legit.
Prevent it in the future
- Keep your address up to date with banks, brokers and employers.
- Roll old 401(k)s into an IRA or your current plan when you change jobs.
- Log in to every account at least once a year.
FAQ
Is searching for unclaimed money free? Yes, on state unclaimed property sites, MissingMoney.com and the federal tools above.
How do I find an old 401(k)? Contact your former employer or plan administrator, and search the Department of Labor's Retirement Savings Lost and Found database.
Can I claim money for a relative who died? Often, yes, if you're the heir or executor. You'll usually need a death certificate and proof of your relationship or authority.
Figures and rules in this article are checked against the official sources below. Where they disagree with us, they win.
