How to Find an Unclaimed Check

Businesses or other organizations that owe you money may not always be able to find you. Perhaps an insurance company sent a check to your old address and never located your new one. That 10-year certificate of deposit may have matured long after you forgot about it and neglected to give the bank a forwarding address. Fortunately, unclaimed checks or other funds can often be located and your funds returned to you.

When financial accounts go inactive, checks remain uncashed or are returned to sender or safe deposit boxes appear to be abandoned, the money (and other items) are regarded as unclaimed properties.

Every state in the U.S. has procedures for oversight of unclaimed funds within the jurisdiction of the state. In general, accounts that remain inactive for a fixed period such as three years may be regarded as unclaimed, especially if attempts to reach the account owner have been unsuccessful. These funds can include checks that have been sent to account holders but returned to the sender or otherwise uncashed.

Unclaimed funds are eventually turned over to the state government. The state controllers office, the secretary of state or some similar department maintains a database of all funds being held. Individuals and businesses can check with the state to determine if any funds are being held in their name.

The National Association of Unclaimed Property Administrators (NAUPA) maintains a database of unclaimed funds from many (but not all) state governments. Their database, MissingMoney.com, is maintained in cooperation with individual state governments. As of October 2020, 40 states were included in the NAUPA system.

You can search the database for any funds being held in your name, including returned checks, unclaimed accounts or property from safe deposit boxes. Searching is simple, generally requiring supplying only your last name, though you can include other information to narrow down search results. The search box asks you to identify a specific state of interest, but usually returns results from other states as well.

If your search at MissingMoney indicates you have unclaimed funds, the site also provides links that allow you to begin the claims process for recovering your property. This generally involves providing identifying information, such as your Social Security number.

MissingMoney does not include unclaimed data from all of the states. For example, as of October 2020, California is not part of the database. You can search for unclaimed funds in California separately, at the state's database.

Other states offer similar search functions, usually through the Office of the Controller or the Secretary of State. An internet search on the term "unclaimed funds," along with the name of the state, will quickly take you to the correct site for searching.

The federal government maintains its own processes for managing unclaimed funds and returning them to the rightful owners. These funds can include Treasury checks, royalties from mineral rights, tax refunds and other federal sources.

There is no convenient centralized source for searching all U.S. government sources of unclaimed checks or other properties. However, the USA.gov Unclaimed Money page includes a helpful collection of links and search tips to get you started.

While you are searching for your own funds at federal and state sources, bear in mind that you can search for funds owed to your friends and relatives as well. Make sure to include maiden names, alternate first names and other name changes in your searches to cast the broadest possible net.