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FDIC unclaimed funds from failed banks

Insured deposits (checking, savings, CDs, IRAs, cashier's checks, money orders and more) at a failed bank that the owner did not claim within 18 months after the bank failed.

Run by
Federal Deposit Insurance Corporation (FDIC).
Cost
Free to search (no fee mentioned on the official site)
Deadline
Claims should be made within 18 months of the bank's failure; after that the FDIC transfers unclaimed deposits to the state of the depositor's last known address.

How to check and claim

  1. Search the FDIC's unclaimed funds database by your name, business name or check number (you can add the failed bank's name, city or state).

  2. If you find a match or think you are owed money, call FDIC Claims Depositor Services at 1-888-206-4662, option 2.

  3. If the FDIC has already sent the money to a state, claim it from that state's unclaimed property program.

Go to the official site.

Open official site

Claiming is free. Your state never charges a fee to search or to claim. Be careful with letters, calls or texts that ask for a fee, a percentage or your bank login to release money. Search the official state site yourself.

Other places to check

MissingMoney.com and NAUPA state unclaimed property searchU.S. savings bonds (TreasuryDirect)IRS refunds from tax returns never filed (3-year rule)IRS undelivered or lost refund checks (Where's My Refund?)NAIC Life Insurance Policy LocatorPBGC unclaimed pension searchRetirement Savings Lost and Found Database (Department of Labor)NCUA unclaimed deposits from closed credit unionsHUD/FHA mortgage insurance premium refundsVA unclaimed life insurance fundsSEC and FTC refunds from enforcement casesClass action settlements: how to check that one is real
Sources

Last checked: Oct 2026.