Did a Loved One Leave Money Behind? Here Is How to Find and Claim It for Free

Money that gets left behind is more common than you think

When someone passes away, money can get lost. A forgotten savings account, an uncashed final paycheck, a security deposit, an old insurance payout, or a utility refund can sit unclaimed for years.

States hold this money in what are called unclaimed property programs. They wait for the rightful owner, or that person's heirs, to come and claim it.

If you are handling a family member's affairs, or you simply wonder if a parent or spouse left something behind, you can check. There is no cost to search, and no cost to file a claim through the official state programs.

Start with the free official search

Every state runs its own free unclaimed property database. There is also a trusted multi-state search tool run by state treasurers.

You do not need to pay anyone to search. Be careful with companies that offer to find money for a fee or a cut of the total. The official state route is free, and you can do it yourself.

Some services are legal 'finders,' but they charge a percentage. Since you can search the same public databases at no cost, it is worth trying the free path first.

What you may need to prove your claim

To claim money for someone who has died, states usually ask for documents that show you have the right to it. This often includes a death certificate and proof that you are the heir or the person handling the estate.

Requirements differ by state. Gather what you can before you file, but you can start the search with just a name.

Every state has its own program with its own rules. Here is how to search yours for free, using the steps below.

Frequently asked questions

Does it cost anything to search or claim?

No. Searching official state databases and filing a claim through them is free. You never have to pay a fee to a government program to get money that is yours.

Can I claim money for a relative who has passed away?

Often yes, if you are an heir or the person handling their estate. States usually ask for a death certificate and proof of your relationship or legal authority.

Should I use a company that offers to find the money for a fee?

You can search the same public databases yourself for free. Paid finders take a cut. Try the free official route first before agreeing to pay anyone.

What if I find nothing?

Try different name spellings and every state where the person lived or worked. New unclaimed property is reported over time, so it can help to check again later.