When a bank fails, the FDIC pays out insured deposits. Some people never collect. The FDIC keeps a free unclaimed-funds search for failed banks. Search by name, and check relatives and former businesses too.
Open the official searchFDIC — Unclaimed Funds. Free. We take no cut and ask for nothing.
A bank failure usually ends with customers being paid or moved to another bank, but a few accounts are never collected, often because the owner had moved or did not read the letter. The FDIC holds those balances and lists them.
Failed-bank money is a federal matter. If a bank simply merged or you stopped using an account, that money usually sits with the state instead, so search your state too.
Checked against the official page on 2 October 2026. Rules and screens change, so follow the agency's own instructions.
No. This covers banks the FDIC closed. Dormant accounts at working banks are held by the state.
No. Anyone asking for a fee is not the FDIC.
Yes, if the business had an account at the failed bank. Use the business name.
Open refunds and settlements, with the official link next to each. Free, no finder fee, one click to leave.
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