Think you might have money sitting in an old bank account? Here’s how to find it, claim it, and stay safe from scams.
It happens more often than you’d think, people move, switch jobs, open promo accounts, or simply forget about a bank they once used.
Over time, those accounts can become inactive and get turned over to the state as unclaimed property.
Worth reading: The State By State Guide to Unclaimed Assets
According to NAUPA, states return billions of dollars each year to people who had no idea they were owed money.
If you suspect a forgotten bank account might be out there with your name on it, here’s the quick guide to finding and reclaiming it.
Why Bank Accounts Go Missing
Missing or inactive accounts usually happen because of:
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Moving or changing addresses without updating bank info
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Promotional bank accounts opened for bonuses
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Old accounts from past jobs or schools
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Inherited accounts you never knew existed
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Bank mergers or closures that disrupt your record-keeping
Even small balances or uncashed checks can end up classified as unclaimed property.
What Happens to Old or Forgotten Accounts?
If an account sits idle for several years (commonly 3–5 years), the bank must transfer the remaining balance to the state, a process called escheatment.
The good news? States hold your money indefinitely and keep searchable online databases so owners or heirs can claim it anytime.
How to Find Bank Accounts in Your Name
Here are the easiest and safest ways to locate a missing or forgotten bank account:
1. Use the FDIC’s Lookup Tools
If your old bank closed or merged, the FDIC’s BankFind Suite will tell you which institution took over.
You can also search the FDIC’s Unclaimed Funds tool to check for money left behind.
2. Search Your State’s Unclaimed Property Website
Every state has an official database where residents can search and claim lost money.
Start here: Unclaimed.org
This site links you to every state’s official search tool plus a national unclaimed property database. Search:
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Your current state
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Any previous states where you lived, worked, or opened accounts
3. Contact the Bank Directly
If you remember the bank name, reach out to customer service.
You may need details like:
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Social Security number
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Old addresses
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Approximate account timeline
If the bank already sent the funds to the state, they’ll confirm where to file your claim.
How to Avoid Unclaimed Money Scams
When searching for missing accounts, stay alert:
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Only use official .gov or .org websites
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Never pay a fee! Claiming your own money is always free
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Ignore unsolicited calls/emails asking for your personal details
If someone asks for payment or sensitive info, it’s a red flag.
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Let us help you discover if you have unclaimed assets waiting for you.
Start your free search today and claim what's rightfully yours!
