How to find out if you have unclaimed money

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An entity outside of the Pennsylvania Treasury Department is contacting Holders of Unclaimed Property with what appears to be a phishing scam. The suspect email thanks you for attending an event about unclaimed property and indicates that a “certificate” is ready for download.

This email did NOT originate from the Pennsylvania Treasury Department. You should NOT click on the link to download the “certificate.”

There is currently no evidence suggesting any unauthorized access to Treasury’s records of Holders of Unclaimed Property. If you ever have questions about the veracity of an email claiming to be from the Pennsylvania Treasury Department’s Bureau of Unclaimed Property, please contact us at or 800-379-3999.

Treasurer Garrity Warns of Unclaimed Property Texting Scams – April 27, 2022

Harrisburg, PA - Treasurer Stacy Garrity today warned Pennsylvanians that scammers are using text messages to target potential unclaimed property claimants.

“Treasury receives hundreds of millions of dollars in unclaimed property every year, often because of something as simple as a misspelled name or an out-of-date address. But let’s be clear: this is YOUR money we’re talking about, and I want to return it to you.”

- Stacy Garrity, State Treasurer

1 in 10 Pennsylvania residents has unclaimed property waiting for them - do you?

Unclaimed Property (Claims)

Upload your completed claim via the “Claimant Login/Upload Forms” button or send it via postal mail to:

• Treasury - Unclaimed Property
  P.O. Box 1837
  Harrisburg, PA 17105-1837

Physical Office Location:

• 4th Floor, Riverfront Office Center
  1101 South Front Street
  Harrisburg, PA 17104-2516

Property Recovery and Reporting

Finders

Pennsylvania state law requires that all "Finders" and property recovery professionals who assist potential claimants assemble a claim for a fee must complete an application and be certified as a finder by the Pennsylvania Treasury.

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Holders

Holders of Unclaimed Property are financial institutions, insurers, utilities, business associations, medical facilities, sole proprietors, fiduciaries, courts, public officers, government entities and all legal or commercial entities that must file a report with the Pennsylvania Treasury if they have reportable unclaimed property.

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Tangible Property

Pennsylvania Treasury's Vault is used to maintain the custody of tangible property reported to the Bureau of Unclaimed Property. Tangible property is physical assets such as collectible coins, jewelry, military medals, stamps, antiques, savings bonds or other physical items.

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Unclaimed Property Program

Search for Unclaimed Property

Upload Claims Documentation

Report Unclaimed Property

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Millions of dollars are transferred to the Unclaimed Property Program each year by companies that cannot locate the owners. Individuals, estates, businesses and even churches and charities can have unclaimed property. It only takes a minute to find out if we are holding money for you.

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As millions of Americans are financially drained from the economic impact of the coronavirus pandemic, now is a good time to scour for any extra cash. 

We're not talking about searching the couch cushions for loose coins or hoping you'll get lucky and find $20 in your coat pocket. There are ways you can find money you forgot about by looking online. Chances are there's a chunk of change with your name on it.

In fact, 1 in 10 Americans have unclaimed property or money floating around somewhere, according to the National Association of Unclaimed Property Administrators (NAUPA). This money comes from funds found in banks, financial institutions or companies that haven't had contact with the owner for over a year and have been turned over to the state. Most often it's a forgotten checking or savings account, uncashed paycheck, stocks, security deposits, customer overpayments, unredeemed gift cards or tax refunds from the IRS.

Below, Select takes a deeper look at how to find this lost money owed to you and how to cash in on money you've earned but may have forgotten about.

How to find lost money

A forgotten savings account or a lost paycheck can be a lifeline for many people during this time. Luckily, there are credible websites that can help you search for these windfalls of cash.

To start, visit NAUPA's website Unclaimed.org, a national network collecting records from all 50 states. From there, you can find links to each state's official unclaimed property program. These are all vetted government resources, so it's important you go through NAUPA-provided websites versus a general search engine.

When you click on a state, you will be directed to its official website. To search for your unclaimed money, use both your current and maiden name if you legally changed your last name. You may want to try different search inquires as well, such as using the first initial of your first name plus your full last name.

Because unclaimed property is reported to the state where the company or organization is located, it's common to have lost money in more than one place, especially if you have moved between states. To search multiple states at once, NAUPA recommends using MissingMoney.com, a free website they endorse. Make sure to check every state where you have lived and done business.

How to claim unclaimed money: Each state has its own process when you're ready to claim your lost money, but it should be pretty straightforward. You need to be prepared to show proof of ownership of whatever you are claiming such as a pay stub, utility bill or your Social Security number. You will also need to have proof of identity, like a copy of your driver's license or passport. Processing times vary by state but some can take less than 30 days, the NAUPA website says.

Some other government sources with searchable databases include:

• The IRS website for any undeliverable tax refunds
• The Pension Benefit Guaranty Corporation for unclaimed pension money
• The U.S. Treasury Hunt for unclaimed savings bonds, registered Treasury notes or registered Treasury bonds

How to cash in forgotten money

While you might not have lost money sitting in a forgotten bank account, chances are you are sitting on some funds that you could cash in right now.

First up is your credit card rewards. If you have a cash-back credit card sitting in your wallet, and you use it regularly, don't forget that's money you earned that could come in handy.

For example, with the Citi® Double Cash Card, which offers 2% cash back: 1% on all eligible purchases and an additional 1% after you pay your credit card bill, cardholders can redeem cash back for checks or statement credits once they've earned $25. Assuming cardholders maximize their rewards potential, Select found that the average consumer can earn an estimated $437 in cash back after just one year and $2,185 after five years. 

But it's not just cash-back cards that come in handy right now. With travel arguably on hold for quite some time, you can redeem your travel credit card rewards for non-travel options like cash back or merchandise. (Note the redemption rate may be likely lower than using the rewards for travel.) For example, if you have the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you can use your Ultimate Rewards® points for purchases on Amazon.com or as cash back in the form of a statement credit or a direct deposit into your checking or savings account.

And as Americans have changed their spending habits during the pandemic, keep in mind that credit card issuers have kept up by adapting their rewards programs, including travel credit changes, through the end of the year. Users of the Citi Prestige® Card can spend their annual $250 travel credit on eligible purchases at supermarkets and restaurants.

Another place to tap for forgotten funds are money transfer apps like Venmo and PayPal. These apps are great for sharing payments and splitting the bill for takeout, but it's good to transfer that money into your bank account. While quarantined at home, it's perfect timing to do some financial "spring cleaning" and make sure any of your banking apps don't have money sitting in them.

And, finally, don't forget about all those unused gift cards filling your wallet. Using estimates from Mercator Advisory Group, CBS News reported earlier this year that as much as $3 billion in gift cards will go unredeemed this year alone. If you're sitting on an old gift card because you don't like the store or you just forgot about it, consider trading it in for cash. Card exchange websites like Cardpool.com allow you to exchange or sell both physical and electronic gift cards for up to 88% of their original value.

Bottom line

As the economy struggles to rebound, every dollar matters to the average consumer.

Whether you feel low on cash right now or you are worried about more financial strain in the coming months, spend some time searching for any unclaimed money on websites like Unclaimed.org and MissingMoney.com. And don't forget about what's already in your wallet, like your credit cards. You earned the rewards and now is a good time to cash them in.

Information about the Citi Prestige® Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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