Is Legit? An Honest Review on This Unclaimed Property Website

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  • Post published:February 12, 2024
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Is Legit or Scam? If you want to know the honest truth about this unclaimed property website, you’ve found the right blog and we are gonna tell you everything you need to know about Missing money website.

Unclaimed or lost money and assets can often seem like an urban legend – something that happens to others but not yourself. However, the truth is that billions of dollars in unclaimed funds and property are waiting to be returned to their rightful owners.

This forgotten money comes from various sources like old bank accounts, unpaid wages, insurance policies, stocks, utility deposits, etc.

While it may seem unbelievable, approximately 1 in 10 people have some form of unclaimed property owed to them. But how do you go about finding and retrieving these lost assets? This is where comes into the picture. is a website that allows you to search for unclaimed money and assets in your name for free. It contains databases from 39 participating states and provides a convenient way to find funds you may have forgotten about or lost track of.

But is a legitimate service you can trust? In this comprehensive guide, we’ll provide an in-depth look at, how it works, tips for using it, and determine whether it is a scam or legit platform for reuniting people with their unclaimed property.

What is Is it Legit or Scam is an official unclaimed property website created through a partnership between the National Association of Unclaimed Property Administrators (NAUPA) and participating states. It serves as a centralized, national database for searching unclaimed property records from 39 states across America.

The website was launched in 1999 to provide people with a free and secure means of finding money and assets that legally belong to them but have been relinquished to state custody due to inactivity or a lack of owner contact. These unclaimed funds are required by law to be reported and surrendered to state treasuries and controllers for safekeeping. consolidates the unclaimed property records from participating states into one national database that users can easily search. It is updated regularly as states report new unclaimed properties in their possession.

Kelmar Associates LLC manages and operates the website on behalf of NAUPA and acts as the only unclaimed property website officially endorsed by NAUPA.

Why Does Unclaimed Property Exist?

Before diving into how works, it’s important to understand why so much unclaimed property even exists in the first place.

There are a variety of reasons why assets and money can become unclaimed or dormant, including:

  • Closed accounts – When you close a financial account like a bank account or investment account and fail to withdraw the remaining funds, it can eventually become unclaimed.
  • Inactivity – If you’ve forgotten about an old account or haven’t touched it in years, financial institutions are required to turn over inactive accounts to the state after a period of inactivity, usually around 2-5 years.
  • Moved or unable to be located – If your contact information isn’t up to date with a company, they may not be able to reach you about funds owed to you, leading them to be surrendered as unclaimed property.
  • Deaths – When a person passes away without a will or known next of kin, their assets may go unclaimed.
  • Forgetting about deposits or uncashed checks – It’s easy to lose track of things like utility deposits or uncashed checks, especially if you move frequently. These uncollected funds must be handed over to the state.
  • Stock splits or dividends – If you forget about old stock investments or shares, dividends and distributions from those stocks can go unclaimed over time.
  • Court settlements or trust distributions – Legal disputes that result in undeliverable settlement funds or trust distributions that cannot be paid out to beneficiaries end up in state custody after a period of time.

Essentially, whenever a business or entity owes money or assets to someone and is unable to locate them for delivery, they are legally required to report and transfer custody of those funds to the appropriate state after a dormancy period, which can range from 1-5 years depending on the state and type of property. This prevents private companies from keeping other people’s money indefinitely.

The state governments then hold these unclaimed assets in trust until the rightful owners can be located and reconnected with their missing money or property. This is where comes in…

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How Does Work? offers a free and simple way for you to search for any unclaimed property being held in your name by participating states.

The website contains a frequently updated national database of unclaimed property records sourced from the reporting programs of 39 participating states. Here are the key steps involved in searching for unclaimed property on

  1. Enter your information – To begin, you’ll enter your first and last name as well as your current state of residence. You can also enter a city to narrow the search results further.
  1. Conduct the search – will cross-check your inputs against the unclaimed property databases of participating states and display any matching records found.
  1. Review results – If any unclaimed property records are found matching your information, they will be displayed along with the dollar amount, type of property, and state currently holding the property.
  1. Claim your property – provides instructions and forms for legally claiming the property from the custodial state for any unclaimed assets that appear to belong to you.
  1. Submit documentation – To complete the claim, you must submit documentation to verify your identity and demonstrate your rightful ownership of the unclaimed property. Once approved, the funds or assets can be remitted to you. is very thorough in its aggregation of unclaimed property data from state sources across the country. However, remember that not every U.S. state currently participates in

For any non-participating states, you would need to check that state’s individual unclaimed property website or database to search for assets. provides links to official unclaimed property sites for all participating and non-participating states.

Tips for Using Effectively

When searching for unclaimed property on, follow these tips and best practices to maximize your chances of success:

  • Search previous names – If you’ve changed your name over the years due to marriage, divorce, etc., be sure to search under maiden names and previous married names.
  • Check different spellings – Try searching under common misspellings of your first and last name in case records were reported with errors.
  • Use alternative cities – If you’ve moved around, widen the search by entering cities and states you’ve previously lived in.
  • Search family names – Look for unclaimed property of deceased relatives, as you may be legally entitled to claim inheritance funds as next of kin.
  • Claim promptly – Once you locate unclaimed money owed, start the claims process immediately to get your property returned sooner.
  • Follow up on status – Be proactive in regularly following up on your claim’s status until the money is successfully remitted.
  • Provide complete documentation – Make sure to provide any required documents like photo ID, tax records, etc. to facilitate verification of your claim.

Persistence and thorough record-keeping are key when utilizing for the best results. Don’t hesitate to contact the state administrator if you have any questions or need support when claiming property.

What Types of Unclaimed Property Can You Find? may reveal unclaimed property and forgotten funds from a diverse variety of sources, including:

  • Bank accounts
  • Uncashed checks and money orders
  • Insurance policy proceeds
  • Stock dividends and shares
  • Utility security deposits
  • Wages and commissions
  • Customer overpayments/refunds
  • Pension funds
  • Court settlement funds
  • Trust distributions
  • Safe deposit box contents
  • Mineral royalty payments

In rare cases, the amount of unclaimed property can range from a few dollars to hundreds of thousands. While the average individual unclaimed property is valued at around $2,000, the totals can really add up – nearly $7 billion in assets are reported and remitted to states annually!

So don’t assume you don’t have any unclaimed assets waiting to be found – take a few minutes to search for peace of mind and the chance to recover long lost money owed to you.

Is Legit or Scam?

With people constantly looking for unclaimed property, it’s reasonable to be cautious of potential scams. However, based on reputation, verification, and user reviews, appears to be 100% legitimate.

Here are some of the top facts confirming is an official, sanctioned platform you can trust:

  • Backed by NAUPA – is endorsed by NAUPA, the National Association of Unclaimed Property Administrators, which adds legitimacy.
  • Secure protocols – The website has high encryption, secure data transmission, and malware protection to keep your data safe.
  • Trusted by states – 39 participating state governments trust to enable searches of their databases.
  • Official business record – is registered as an active business entity under Kelmar Associates LLC.
  • No suspicious fees – There are zero fees or charges to search and claim property, eliminating scam concerns.
  • Positive user reviews – Former users praise for easily finding their unclaimed funds with no issues.
  • Detailed FAQ section – They provide in-depth, transparent responses to common questions on sources, security, claiming process, company background and more.
  • Reputable history – MissingMoney has been safely reuniting people with unclaimed property since 1999 without any scandals.
  • Reliable customer support – Their customer service team is responsive and knowledgeable if you have any concerns or questions.
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After thorough analysis, all signs point to being a 100% verified, legitimate organization that can safely handle unclaimed property searches in the public’s best interest.

Are There Any Catch or Hidden Fees?

A common apprehension people have when searching for unclaimed money online is the possibility of catch or hidden fees. However, one of the great benefits of using is that there are zero fees or charges associated with searching their database or claiming property. is entirely free to use and you do not have to pay anything to:

  • Search for unclaimed property records
  • View search results listing unclaimed assets in your name
  • Get instructions on how to claim your property
  • Verify your identity and submit documentation
  • Complete the claims process from start to finish

This reliable, zero-fee structure helps confirm is an official service, not a scam attempting to make money off people looking for their unclaimed assets.

Some key notes:

  • There are no sign up fees or membership costs
  • You will never be asked for payment info or credit card numbers
  • Search results are provided free without requiring entry of financial details
  • Claiming unclaimed property involves no fees charged by

Of course, be aware that individual states may have minimal administrative fees associated with processing and mailing out claim payments. However, itself charges nothing for providing this helpful unclaimed property search service.

Pros of Using

Many benefits highlight why is a valuable resource for finding unclaimed property:

Easy to use – Their interface is intuitive and simple to navigate with minimal steps needed to run a search.

Fast search – You get instant results showing any unclaimed property associated with your name or company.

Free searches – It costs nothing to use’s services for both searching and claiming.

No registration required – You don’t need to create an account to start a search.

National reach – With 39 state databases, your search has very wide coverage across the U.S.

Frequent updates – New unclaimed property data is added from states regularly to keep searches comprehensive.

Secure site – Your personal information stays protected through encryption and other security measures.

Clear claiming guidance – If property is found, they provide detailed instructions on filing your claim.

Helpful resources – The site contains useful FAQs and additional info about the unclaimed property process.

Responsive support – Their customer service team is available to address any user questions or concerns.

For a fast, free way to locate forgotten funds owed to you, simplifies the process and has advantages over alternatives.

Potential Drawbacks to Know

While has numerous benefits, there are a couple potential drawbacks to note as well:

  • Not all states included – As of 2023, 11 states are not yet participating, meaning you’d have to check those states individually.
  • May not show all unclaimed property – Their database includes most but not 100% of unclaimed assets, so other search methods can complement.
  • Claiming can take time – Depending on the state, claiming process, and claim volume, getting your property returned can take weeks or months.
  • Outdated site design – Some may view the site as visually outdated, though the functionality remains excellent.
  • Manual claiming – Automated claiming options would be more convenient than paper forms and manual documentation submission.

However, remains the best centralized source for unclaimed property searches with no significant downsides. Just supplement its use with individual state searches for complete coverage.

Unclaimed vs Unclaimed: Key Differences

When researching online for unclaimed property searches, you may come across Unclaimed as well as Unclaimed. What is the difference between these two similar-sounding sites?

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  • Provides database search services for reconnecting people with unclaimed property
  • Charges 15% fee on recovered unclaimed assets as compensation
  • Requires registration for full site access
  • Primarily a paid lost asset recovery service


  • Official unclaimed property site created by NAUPA for public benefit
  • Enables users to self-serve search state databases 100% free
  • Does not mandate account signup to search or claim property
  • Supported by state governments as a public unclaimed property resource

While Unclaimed offers real unclaimed property search capabilities, unlike, they charge commissions on assets recovered through their services. MissingMoney provides a zero-cost, self-service option endorsed by NAUPA and state agencies across the country.

Common Questions about (FAQ)

Here are answers to some frequently asked questions about and how their unclaimed property searching process works:

Is there a time limit for claiming assets on

There is no time limit for claiming unclaimed property listed on MissingMoney – the assets are held in state custody indefinitely until claimed by the rightful owner. However, you should start the claims process promptly once found for faster resolution.

How far back does MissingMoney search for unclaimed assets?

Their database includes records dating back multiple decades in some cases. However, search results are dependent on how far back individual state reporting goes. Some states may only show unclaimed property for 10-20 years.

Are there ways to confirm if property listings on are valid?

If you are skeptical about any search results, you can contact the state unclaimed property office directly to validate they are holding the listed assets. The website also provides transparent legal information on cooperating states’ unclaimed property programs.

Can Canadian residents use

Unfortunately MissingMoney only contains unclaimed property records for U.S. states and territories. For Canadian provinces, visit the Canada Unclaimed site managed by the Bank of Canada.

Is it easy for scammers to redirect assets using

No – they have security mechanisms like ID verification requirements specifically to prevent fraudulent diversion of unclaimed property. All claims undergo examination to prove ownership rights.

What information is needed to complete a claim on unclaimed property?

Typical documents include a copy of your photo ID, SSN, proof of former addresses, official records connecting you to the unclaimed asset, and claim forms.

How long does it take to receive your money after claiming an asset?

Processing and verification procedures usually take 4-6 weeks but can vary based on the holding state and volume of claims. Communicate with the state office to get status updates on your submitted claim.

Final Verdict: Is Legit or Scam?

After thorough analysis of reputation, legitimacy, effectiveness for finding unclaimed assets, and other factors – stands out as a verified, trusted resource that can help reconnect people with forgotten money and property legally owed to them.

While remembering you have unclaimed assets waiting to be found may seem improbable, simplifies exploring whether you have lost money or property held by states nationwide. Their secure, easy-to-use interface and access to databases from 39 participating state programs provide the widest view possible of unclaimed property records.

Best of all, offers this helpful service entirely free without any hidden fees or obligation. Claims are handled directly through official state unclaimed property administrators, not third parties.

So if you’ve ever wondered whether forgotten funds or assets belonging to you may be out there, is worth using to conduct a fast, comprehensive search, potentially leading to the discovery of long lost money you can rightfully claim.

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