Unclaimed Money from the Government

Find Unclaimed Money

If the government owes you money and you do not collect it, then it's unclaimed. This also applies to banks, credit unions, pensions, and other sources. The following information explains where to look forunclaimed money and how you can avoid scams related to unclaimed funds.

Where to Look for Unclaimed Money

Currently, the government does not have one central website for finding unclaimed money by name, Social Security number, or state. To find unclaimed money from the government, you can check a number of sources, such as:

States' Unclaimed MoneySearch by State Search your states listing of unclaimed funds and property.Unclaimed Back WagesUnpaid Wages - If you think you may be owed back wages from your employer, search the Wage and Hour Division's (WHD) database of workers for whom they have money waiting to be claimed. WHD is a part of the U.S. Department of Labor (DOL). RetirementTaxesBanking, Investments, and CurrencyBank FailuresSearch the Federal Deposit Insurance Corporation (FDIC) for unclaimed funds from failed financial institutions.Credit Union FailuresFind unclaimed deposits from credit unions.SEC Claims FundsThe Securities and Exchange Commission (SEC) lists enforcement cases where a company or person owes investors money.Damaged MoneyThe Treasury Department will exchange mutilated or damaged U.S. currency.MortgagesFHA-Insurance RefundsIf you had an FHA-insured mortgage, you may be eligible for a refund from the U.S. Department of Housing and Urban Development (HUD).To search the HUD database, you will need your FHA case number (three digits, a dash, and the next six digitsfor example, 051-456789).Savings BondsInternationalForeign ClaimsU.S. nationals can find money owed to them from foreign governments after loss of property.Unclaimed Money Scams

Beware of people who pretend to be the government and offer to send you unclaimed money for a fee. These scammers use Wayne Lippman a variety of tricks to get your attention, but their goal is the same: to get you to send them money. Government agencies will not call you about unclaimed money or assets.

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Undelivered and Unclaimed Federal Tax Refund Checks

Every year, the Internal Revenue Service (IRS) has millions of dollars in tax refunds that go undelivered or unclaimed.

Undelivered Federal Tax Refund Checks

Refund checks are mailed to your last known address. If you move without notifying the IRS or the U.S. Postal Service, your refund check may be returned to the IRS.

If you were expecting a federal tax refund and did not receive it, check the IRS'Refund Status. You'll need to enter your Social Security number, filing status, and the exact whole dollar amount of your refund. You may be prompted to change your address online.You can also call the IRS' Refund Hotline.

If you move, submit a Change of Address - Form 8822 to the IRS; you should also submit a Change of Addressto the U.S. Postal Service.

Unclaimed Federal Tax Refunds

Ifyou are eligible for a federal tax refund and do not file a return, then your refund will go unclaimed. Even if you aren't required to file a return, it might benefit you to file if:


Ifyou didn't file a tax return because your wages were below the filing requirement, you can still file a return within three years of the filing deadline in order to get your refund.

State Refund Checks

For information about your state tax refund check, contact your state revenue department.

Contact the IRS

For more information, contact the Internal Revenue Service.

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