{
 "verified": "2026-10-13",
 "verified_note": "Every URL returned HTTP 200 in a browser on 2026-10-13 (several state sites only answer US visitors; those were checked from a US server). The NAIC locator shows a human-verification page to automated checks. State list and MissingMoney participation taken from MissingMoney.com's official state directory (all states plus DC searchable except Hawaii) on the same date.",
 "source": "https://missingmoney.com/app/state-index",
 "national": [
  {
   "id": "missingmoney",
   "title": "MissingMoney.com",
   "agency": "National Association of State Treasurers (NAUPA-endorsed)",
   "url": "https://missingmoney.com/",
   "what": "One free search across every participating state: all states plus DC, except Hawaii."
  },
  {
   "id": "naupa",
   "title": "Unclaimed.org state directory",
   "agency": "National Association of Unclaimed Property Administrators",
   "url": "https://unclaimed.org/search/",
   "what": "The official directory of every state program, if you need a state's contact details."
  }
 ],
 "federal": [
  {
   "id": "irs-refund",
   "title": "Where's My Refund?",
   "agency": "Internal Revenue Service",
   "url": "https://www.irs.gov/refunds",
   "what": "Check on a federal refund from a return you filed.",
   "need": "SSN or ITIN, filing status, exact refund amount"
  },
  {
   "id": "irs-unfiled",
   "title": "Prior-year tax forms",
   "agency": "Internal Revenue Service",
   "url": "https://www.irs.gov/forms-pubs/prior-year",
   "what": "Didn't file a year when you were owed a refund? The IRS says the law generally gives you three years to claim it by filing that year's return.",
   "need": "That year's W-2s or 1099s (the IRS Get Transcript tool can show them)"
  },
  {
   "id": "irs-transcript",
   "title": "Get Transcript",
   "agency": "Internal Revenue Service",
   "url": "https://www.irs.gov/individuals/get-transcript",
   "what": "See the wage and income records the IRS holds for past years.",
   "need": "An IRS online account (ID.me sign-in)"
  },
  {
   "id": "treasury-bonds",
   "title": "Lost, stolen or destroyed savings bonds",
   "agency": "U.S. Treasury (TreasuryDirect)",
   "url": "https://www.treasurydirect.gov/savings-bonds/manage-bonds/lost-stolen-destroyed-ee-or-i-bonds/",
   "what": "How to claim a paper savings bond you can't find. Treasury's old \"Treasury Hunt\" search closed on 30 September 2025, so this claim route is the way in now.",
   "need": "Owner's name, SSN, and roughly when the bond was bought"
  },
  {
   "id": "dol-lostfound",
   "title": "Retirement Savings Lost and Found",
   "agency": "U.S. Department of Labor (EBSA)",
   "url": "https://lostandfound.dol.gov/",
   "what": "Search for a 401(k) or pension plan from a past employer.",
   "need": "A Login.gov account with identity verification"
  },
  {
   "id": "pbgc",
   "title": "Search unclaimed pensions",
   "agency": "Pension Benefit Guaranty Corporation",
   "url": "https://www.pbgc.gov/workers-retirees/find-unclaimed-retirement-benefits/search-unclaimed",
   "what": "Pensions from plans that ended or were taken over by PBGC.",
   "need": "Your last name; the employer or plan name helps"
  },
  {
   "id": "dol-abandoned",
   "title": "Abandoned Plan Search",
   "agency": "U.S. Department of Labor (EBSA)",
   "url": "https://www.askebsa.dol.gov/AbandonedPlanSearch/",
   "what": "401(k)-type plans whose sponsor closed or walked away.",
   "need": "Former employer or plan name"
  },
  {
   "id": "dol-wow",
   "title": "Workers Owed Wages",
   "agency": "U.S. Department of Labor (Wage and Hour Division)",
   "url": "https://webapps.dol.gov/wow/",
   "what": "Back wages the Labor Department recovered from employers but couldn't deliver.",
   "need": "The employer's name (you search by employer)"
  },
  {
   "id": "fdic",
   "title": "Unclaimed funds from failed banks",
   "agency": "FDIC",
   "url": "https://closedbanks.fdic.gov/funds/",
   "what": "Insured deposits left behind when a bank failed.",
   "need": "Your name; the bank's name helps"
  },
  {
   "id": "ncua",
   "title": "Unclaimed deposits from closed credit unions",
   "agency": "NCUA",
   "url": "https://ncua.gov/support-services/conservatorships-liquidations/unclaimed-deposits",
   "what": "Insured shares from credit unions that were liquidated.",
   "need": "Your name and the credit union's name"
  },
  {
   "id": "hud-fha",
   "title": "FHA mortgage insurance refund",
   "agency": "U.S. Department of Housing and Urban Development",
   "url": "https://entp.hud.gov/dsrs/refunds/",
   "what": "HUD says that if you had an FHA-insured mortgage, you may be eligible for a refund from HUD/FHA.",
   "need": "Your name; your FHA case number helps"
  },
  {
   "id": "naic-life",
   "title": "Life Insurance Policy Locator",
   "agency": "National Association of Insurance Commissioners (state insurance regulators)",
   "url": "https://eapps.naic.org/life-policy-locator/#/welcome",
   "what": "Asks insurers whether a person who died had a life insurance policy or annuity naming you.",
   "need": "The deceased's legal name, SSN, date of birth and date of death"
  },
  {
   "id": "va-insurance",
   "title": "VA unclaimed life insurance funds",
   "agency": "U.S. Department of Veterans Affairs",
   "url": "https://insurance.va.gov/UnclaimedFunds/Search",
   "what": "VA life insurance proceeds and dividends that were never paid out.",
   "need": "The veteran's name"
  },
  {
   "id": "us-courts",
   "title": "Unclaimed Funds Locator",
   "agency": "U.S. Courts",
   "url": "https://ucf.uscourts.gov/",
   "what": "Unclaimed money held by U.S. bankruptcy courts, for example payouts to creditors that never reached them.",
   "need": "Your name as creditor, or the debtor's name"
  }
 ],
 "situations": [
  {
   "id": "moved",
   "label": "I've lived in more than one state",
   "hint": "Add every state above, not only where you live now.",
   "sources": [
    "naupa"
   ],
   "tip": "Money is held by the state tied to the last address the company had for you. Add every state you've lived, worked or banked in."
  },
  {
   "id": "job",
   "label": "I've changed jobs",
   "hint": "A final paycheck, bonus or expense check you never cashed",
   "sources": [
    "dol-wow",
    "dol-lostfound"
   ],
   "tip": "Uncashed paychecks are usually reported to the state's unclaimed property office, so search the state where that employer was too."
  },
  {
   "id": "retirement",
   "label": "I had a 401(k) or pension with an old employer",
   "hint": "Including plans from jobs years ago",
   "sources": [
    "dol-lostfound",
    "pbgc",
    "dol-abandoned"
   ]
  },
  {
   "id": "bank",
   "label": "I closed or forgot about a bank or credit union account",
   "hint": "Leftover balances, uncashed cashier's checks, safe deposit boxes",
   "sources": [
    "fdic",
    "ncua"
   ],
   "tip": "Dormant accounts go to the state. The FDIC and NCUA searches only cover banks and credit unions that failed."
  },
  {
   "id": "tax",
   "label": "I may be owed a tax refund",
   "hint": "A refund that never arrived, or a year you didn't file",
   "sources": [
    "irs-refund",
    "irs-unfiled",
    "irs-transcript"
   ],
   "tip": "State tax refunds are separate: check your state's revenue department too."
  },
  {
   "id": "bonds",
   "label": "I or my family bought paper savings bonds",
   "hint": "Series E, EE or I bonds, including gifts from relatives",
   "sources": [
    "treasury-bonds"
   ]
  },
  {
   "id": "deceased",
   "label": "A relative has died",
   "hint": "Heirs can often claim what was left in a relative's name",
   "sources": [
    "naic-life",
    "va-insurance",
    "pbgc"
   ],
   "tip": "Search the state sites under the relative's name too. Heirs usually need a death certificate and proof of relationship to claim."
  },
  {
   "id": "deposit",
   "label": "I paid a utility deposit or had a refund check that never came",
   "hint": "Utility, phone, insurance or store refunds",
   "sources": [],
   "tip": "Utility deposits and uncashed refund checks are typically reported to the state, so your state searches cover these."
  },
  {
   "id": "fha",
   "label": "I had an FHA-insured mortgage",
   "hint": "A home loan insured by the Federal Housing Administration",
   "sources": [
    "hud-fha"
   ]
  },
  {
   "id": "veteran",
   "label": "Someone in my family served in the military",
   "hint": "VA life insurance policies and dividends",
   "sources": [
    "va-insurance"
   ]
  },
  {
   "id": "stocks",
   "label": "I had shares, a brokerage account or insurance policy",
   "hint": "Dividends, stock certificates, policy refunds",
   "sources": [],
   "tip": "Inactive brokerage accounts, uncashed dividends and insurance payouts are reported to the state, so your state searches cover these."
  },
  {
   "id": "court",
   "label": "I was owed money in a bankruptcy or federal court case",
   "hint": "For example as a creditor of a company that went bankrupt",
   "sources": [
    "us-courts"
   ]
  },
  {
   "id": "name",
   "label": "I've used another name",
   "hint": "Maiden or married name, nickname, or a common misspelling",
   "sources": [],
   "tip": "Search every version of your name, and try your name with and without a middle initial."
  }
 ],
 "states": [
  {
   "code": "AL",
   "name": "Alabama",
   "url": "https://unclaimed.alabama.gov/",
   "agency": "Alabama State Treasury, Unclaimed Property Division",
   "missingmoney": true
  },
  {
   "code": "AK",
   "name": "Alaska",
   "url": "https://unclaimedproperty.alaska.gov/",
   "agency": "Alaska Department of Revenue, Treasury Division",
   "missingmoney": true
  },
  {
   "code": "AZ",
   "name": "Arizona",
   "url": "https://azdor.gov/unclaimed-property",
   "agency": "Arizona Department of Revenue",
   "missingmoney": true
  },
  {
   "code": "AR",
   "name": "Arkansas",
   "url": "https://www.claimitar.gov/",
   "agency": "Arkansas Auditor of State, Unclaimed Property Division",
   "missingmoney": true
  },
  {
   "code": "CA",
   "name": "California",
   "url": "https://claimit.ca.gov/",
   "agency": "California State Controller's Office",
   "missingmoney": true
  },
  {
   "code": "CO",
   "name": "Colorado",
   "url": "https://unclaimedproperty.colorado.gov/",
   "agency": "Colorado Department of the Treasury",
   "missingmoney": true
  },
  {
   "code": "CT",
   "name": "Connecticut",
   "url": "https://ctbiglist.gov/",
   "agency": "Office of the Connecticut State Treasurer",
   "missingmoney": true
  },
  {
   "code": "DE",
   "name": "Delaware",
   "url": "https://unclaimedproperty.delaware.gov/",
   "agency": "Delaware Department of Finance, Office of Unclaimed Property",
   "missingmoney": true
  },
  {
   "code": "DC",
   "name": "District of Columbia",
   "url": "https://unclaimedproperty.dc.gov/",
   "agency": "DC Office of Finance and Treasury, Unclaimed Property Unit",
   "missingmoney": true
  },
  {
   "code": "FL",
   "name": "Florida",
   "url": "https://www.fltreasurehunt.gov/",
   "agency": "Florida Department of Financial Services",
   "missingmoney": true
  },
  {
   "code": "GA",
   "name": "Georgia",
   "url": "https://dor.georgia.gov/unclaimed-property",
   "agency": "Georgia Department of Revenue",
   "missingmoney": true
  },
  {
   "code": "HI",
   "name": "Hawaii",
   "url": "https://unclaimedproperty.ehawaii.gov/lilo/property-search.html",
   "agency": "Hawaii Department of Budget and Finance",
   "missingmoney": false,
   "note": "Hawaii is the one state not on MissingMoney.com. Search Hawaii's own site."
  },
  {
   "code": "ID",
   "name": "Idaho",
   "url": "https://yourmoney.idaho.gov/",
   "agency": "Idaho State Treasurer's Office",
   "missingmoney": true
  },
  {
   "code": "IL",
   "name": "Illinois",
   "url": "https://icash.illinoistreasurer.gov/",
   "agency": "Illinois State Treasurer's Office",
   "missingmoney": true
  },
  {
   "code": "IN",
   "name": "Indiana",
   "url": "https://www.indianaunclaimed.gov/",
   "agency": "Office of the Indiana Attorney General",
   "missingmoney": true
  },
  {
   "code": "IA",
   "name": "Iowa",
   "url": "https://www.greatiowatreasurehunt.gov/",
   "agency": "Iowa State Treasurer (Great Iowa Treasure Hunt)",
   "missingmoney": true
  },
  {
   "code": "KS",
   "name": "Kansas",
   "url": "https://missingmoney.ks.gov/",
   "agency": "Kansas State Treasurer",
   "missingmoney": true
  },
  {
   "code": "KY",
   "name": "Kentucky",
   "url": "https://treasury.ky.gov/unclaimedproperty/Pages/overview.aspx",
   "agency": "Kentucky State Treasury",
   "missingmoney": true
  },
  {
   "code": "LA",
   "name": "Louisiana",
   "url": "https://unclaimedproperty.la.gov/",
   "agency": "Louisiana Department of the Treasury",
   "missingmoney": true
  },
  {
   "code": "ME",
   "name": "Maine",
   "url": "https://www.maineunclaimedproperty.gov/",
   "agency": "Office of the Maine State Treasurer",
   "missingmoney": true
  },
  {
   "code": "MD",
   "name": "Maryland",
   "url": "https://www.claimitmd.gov/",
   "agency": "Comptroller of Maryland",
   "missingmoney": true
  },
  {
   "code": "MA",
   "name": "Massachusetts",
   "url": "https://www.findmassmoney.gov/",
   "agency": "Massachusetts State Treasurer, Unclaimed Property Division",
   "missingmoney": true
  },
  {
   "code": "MI",
   "name": "Michigan",
   "url": "https://unclaimedproperty.michigan.gov/",
   "agency": "Michigan Department of Treasury",
   "missingmoney": true
  },
  {
   "code": "MN",
   "name": "Minnesota",
   "url": "https://unclaimedproperty.mn.gov/",
   "agency": "Minnesota Department of Commerce",
   "missingmoney": true
  },
  {
   "code": "MS",
   "name": "Mississippi",
   "url": "https://ms.findyourunclaimedproperty.com/",
   "agency": "Mississippi State Treasury",
   "missingmoney": true,
   "note": "The address ends in findyourunclaimedproperty.com. It is the official program; MissingMoney.com links to it."
  },
  {
   "code": "MO",
   "name": "Missouri",
   "url": "https://treasurer.mo.gov/UnclaimedProperty/en/",
   "agency": "Missouri State Treasurer's Office",
   "missingmoney": true
  },
  {
   "code": "MT",
   "name": "Montana",
   "url": "https://revenue.mt.gov/unclaimed-property/",
   "agency": "Montana Department of Revenue",
   "missingmoney": true
  },
  {
   "code": "NE",
   "name": "Nebraska",
   "url": "https://nebraskalostcash.nebraska.gov/",
   "agency": "Nebraska State Treasurer",
   "missingmoney": true
  },
  {
   "code": "NV",
   "name": "Nevada",
   "url": "https://www.nvup.gov/",
   "agency": "Nevada State Treasurer",
   "missingmoney": true
  },
  {
   "code": "NH",
   "name": "New Hampshire",
   "url": "https://www.findnhmoney.gov/",
   "agency": "New Hampshire State Treasury",
   "missingmoney": true
  },
  {
   "code": "NJ",
   "name": "New Jersey",
   "url": "https://unclaimedfunds.nj.gov/app/claim-search",
   "agency": "New Jersey Department of the Treasury",
   "missingmoney": true
  },
  {
   "code": "NM",
   "name": "New Mexico",
   "url": "https://www.tax.newmexico.gov/individuals/what-is-unclaimed-property/search-unclaimed-property/",
   "agency": "New Mexico Taxation & Revenue Department",
   "missingmoney": true
  },
  {
   "code": "NY",
   "name": "New York",
   "url": "https://www.osc.ny.gov/unclaimed-funds",
   "agency": "New York State Comptroller",
   "missingmoney": true
  },
  {
   "code": "NC",
   "name": "North Carolina",
   "url": "https://unclaimed.nccash.gov/",
   "agency": "NC Department of State Treasurer",
   "missingmoney": true
  },
  {
   "code": "ND",
   "name": "North Dakota",
   "url": "https://unclaimedproperty.nd.gov/",
   "agency": "North Dakota Department of Trust Lands",
   "missingmoney": true
  },
  {
   "code": "OH",
   "name": "Ohio",
   "url": "https://unclaimedfunds.ohio.gov/",
   "agency": "Ohio Department of Commerce",
   "missingmoney": true
  },
  {
   "code": "OK",
   "name": "Oklahoma",
   "url": "https://yourmoney.ok.gov/",
   "agency": "Oklahoma State Treasurer",
   "missingmoney": true
  },
  {
   "code": "OR",
   "name": "Oregon",
   "url": "https://unclaimed.oregon.gov/",
   "agency": "Oregon Department of State Lands",
   "missingmoney": true
  },
  {
   "code": "PA",
   "name": "Pennsylvania",
   "url": "https://www.searchandclaimpa.gov/",
   "agency": "Pennsylvania Treasury",
   "missingmoney": true
  },
  {
   "code": "RI",
   "name": "Rhode Island",
   "url": "https://www.findrimoney.gov/",
   "agency": "Rhode Island General Treasurer",
   "missingmoney": true
  },
  {
   "code": "SC",
   "name": "South Carolina",
   "url": "https://southcarolina.findyourunclaimedproperty.com/",
   "agency": "SC State Treasurer's Office",
   "missingmoney": true,
   "note": "The address ends in findyourunclaimedproperty.com. It is the official program; MissingMoney.com links to it."
  },
  {
   "code": "SD",
   "name": "South Dakota",
   "url": "https://southdakota.findyourunclaimedproperty.com/",
   "agency": "South Dakota State Treasurer",
   "missingmoney": true,
   "note": "The address ends in findyourunclaimedproperty.com. It is the official program; MissingMoney.com links to it."
  },
  {
   "code": "TN",
   "name": "Tennessee",
   "url": "https://treasury.tn.gov/Unclaimed-Property/Claim-Unclaimed-Property/Find-Your-Missing-Money",
   "agency": "Tennessee Department of Treasury",
   "missingmoney": true
  },
  {
   "code": "TX",
   "name": "Texas",
   "url": "https://www.claimittexas.gov/",
   "agency": "Texas Comptroller of Public Accounts",
   "missingmoney": true
  },
  {
   "code": "UT",
   "name": "Utah",
   "url": "https://mycash.utah.gov/",
   "agency": "Utah State Treasurer's Office",
   "missingmoney": true
  },
  {
   "code": "VT",
   "name": "Vermont",
   "url": "https://www.vermonttreasurer.gov/content/unclaimed-property",
   "agency": "Vermont State Treasurer",
   "missingmoney": true
  },
  {
   "code": "VA",
   "name": "Virginia",
   "url": "https://www.vamoneysearch.gov/",
   "agency": "Virginia Department of the Treasury",
   "missingmoney": true
  },
  {
   "code": "WA",
   "name": "Washington",
   "url": "https://ucp.dor.wa.gov/",
   "agency": "Washington Department of Revenue",
   "missingmoney": true
  },
  {
   "code": "WV",
   "name": "West Virginia",
   "url": "https://www.wvunclaimedproperty.gov/",
   "agency": "West Virginia State Treasurer",
   "missingmoney": true
  },
  {
   "code": "WI",
   "name": "Wisconsin",
   "url": "https://www.revenue.wi.gov/Pages/UnclaimedProperty/Home.aspx",
   "agency": "Wisconsin Department of Revenue",
   "missingmoney": true
  },
  {
   "code": "WY",
   "name": "Wyoming",
   "url": "https://statetreasurer.wyo.gov/unclaimed-property/",
   "agency": "Wyoming State Treasurer",
   "missingmoney": true
  }
 ]
}