How It Works
Everything you need to know about searching for unclaimed property through official state programs.
What is unclaimed property?
Unclaimed property includes forgotten bank accounts, uncashed checks, insurance payouts, security deposits, and other financial assets. When a company can't reach the owner after a dormancy period (usually 1-5 years), the property is turned over to the state.
Is it really free to search and claim?
Yes. Every state program allows you to search and file claims at no cost. Paid "recovery" services exist, but they charge fees for something you can do yourself for free through official state websites.
What is MissingMoney.com?
MissingMoney.com is the official search site of the National Association of State Treasurers (NAST). It lets you search most participating states in one shot. It is recommended as a starting point for multi-state searches, but individual state sites should also be checked for complete coverage.
Why isn't Hawaii included in MissingMoney?
Hawaii does not participate in the MissingMoney collective database, so a multi-state search there won't cover it. When you select Hawaii in the search wizard, inero pins it separately with a direct link to their official program so you don't miss it.
How does inero work?
You enter your name and select the states where you've lived or worked. inero generates a search plan that recommends the most efficient order to check official databases. Every link goes to a real government or government-authorized program.
Does inero store my personal information?
No. Your name and state selections are used only to generate your search plan in the browser. inero does not store, transmit, or sell personal information.
What documents will I need to file a claim?
It varies by state, but typically you'll need government-issued photo ID, proof of address, and sometimes proof of ownership (like an old account statement). Each state page on inero lists the typical documents required.
How long does it take to get claimed property?
Processing times vary by state and claim complexity. Simple claims can be resolved in weeks; complex claims (estates, securities) can take several months. The state program will communicate timelines after you file.
Is inero a government agency?
No. inero is not affiliated with any government agency. It is a free routing tool that helps users find and navigate official state unclaimed property programs.
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