After Someone Dies

Guides / How to find unclaimed money for someone who died

How to find unclaimed money for someone who died

Searching is free, and you never need to pay a finder. Check every state where they lived or worked.

Search the states

  1. List every state they lived or worked in.
  2. Search MissingMoney.com, a free multi-state search that NAUPA describes as an official site. Most states take part, but not all.
  3. Search each state's own site. Your state's page links to the right office.
  4. Try name variations, maiden names and old addresses.

How a claim works

Each state has its own process. Expect to show the death certificate and proof you're entitled to the money, such as court papers or an heir form. Requirements depend on the state and the amount.

Other places to look

  • FHA mortgage refunds. HUD's search takes a last name or case number. You can also call 1-800-697-6967.
  • Failed banks. The FDIC search covers money left in banks that failed.
  • Closed credit unions. NCUA's list covers liquidated credit unions.
  • Forgotten bank accounts. Ask the bank. Dormant accounts go to the state after a set time.
  • Tax refunds. IRS Form 1310 claims a refund for someone who died.

Be careful with finders

Paid finders take a share of what they find. NAUPA says to use the official state program to avoid those fees. The FDIC also warns about anyone charging up front for something you can do yourself. If someone calls claiming they found money, search the state site before you sign anything.

Want this tracked for you? The free checklist covers every step for your state. The Search Kit adds letters filled in with your details and a place to record what you find.

Where this comes from

Checked November 6, 2026. This is general information, not legal advice. See how we check facts or report a mistake.

Read next