It’s not a scam. It’s not a trick. And you wouldn’t be alone: billions of dollars in unclaimed funds are sitting in state and federal databases, waiting for people just like you to collect.

From forgotten tax refunds to old bank accounts, uncashed checks, and life insurance benefits—millions of Americans have money owed to them, and most have no idea.

🏛 Why the Government Might Owe You Money

Whenever money is owed but never delivered—say, a refund, an inheritance, a closed bank account, or a utility deposit—it’s eventually reported as “unclaimed property.”

States are legally required to hold these funds until the rightful owner steps forward. But here’s the kicker: most people never do.

The result? Over $70 billion is currently sitting in U.S. unclaimed property programs, untouched.

You could be owed:

Tax refunds

Stimulus overpayments

Utility and rent deposits

Life insurance payouts

Old paychecks or pensions

Stock dividends

Bank or credit union balances

🔍 How to Check If You’re Owed Anything

Finding out is surprisingly easy—and 100% free. Most states have searchable online databases. You simply:

Enter your first and last name

Choose your state of residence

See if there’s any money attached to your name

In many cases, you don’t even need an account. Just submit a claim form and verify your identity.

💬 Real People Are Finding Real Money

“I found over $400 from a utility deposit I never got back. I moved years ago and forgot all about it.”

“My dad passed away and had a life insurance payout we didn’t even know about. We claimed $2,700.”

“There was an old checking account in my name with $187. It only took a few clicks to claim.”

These aren’t rare flukes. Tens of thousands of claims are processed every year. Some for a few bucks. Others for thousands.

🧠 Why This Happens So Often

Life moves fast—people change addresses, jobs, and names. Companies lose contact. Paperwork gets buried.

The money doesn’t vanish—it just goes into a holding system until you go looking for it.