Unclaimed money in Florida

What counts as unclaimed property

Unclaimed money in Florida includes:

• Dormant bank accounts and savings accounts
• Uncashed checks from employers or government agencies
• Security deposits from rentals or utilities
• Refunds owed by companies
• Insurance proceeds
• Dividends and stock holdings
• Tax refunds

The Florida Department of Financial Services holds this money. If you haven't touched an account or claimed money for a set period, it goes to the state as unclaimed property.

How to search for unclaimed money

Use the official Florida Unclaimed Property search at fltreasurehunt.gov.

When you search:

• Start with your full nameTry it as it appears now and as it appeared years ago. If you've married, divorced, or changed your name, search under old names too.
• Search for variationsTry first name, middle name, or middle initial in different orders. Try nicknames.
• Use old addressesSearch by addresses where you lived or worked. Use the complete street address or just the city and state.
• Search for family membersIf you're an heir, you can search for a deceased relative. You'll need proof of their death and your relationship.

How to file a claim

If you find unclaimed money:

1. 1
   Step 1: Gather your documentsThe state will ask for proof of your identity and your right to the money. This usually means a government ID like a driver's license or passport.
2. 2
   Step 2: Follow the instructions on the search resultThe Florida Unclaimed Property program will tell you how to claim your specific money. This may be by mail or online, depending on the amount and type of property.
3. 3
   Step 3: Submit required proofYou may need to send:

• A copy of your ID
• Proof of address
• Original or certified documents (like a birth certificate if claiming for a relative)

4. 4
   Step 4: Wait for processingIt can take weeks or months. The state will contact you with updates.

Claiming money for a deceased relative

If the unclaimed money belonged to someone who has died, you can claim it as an heir. You will usually need:

• An original or certified copy of the death certificate
• Proof of your relationship (birth certificate, marriage certificate, or court documents)
• Your ID
• Proof that you have the legal right to inherit (like a will or court order)

Common mistakes to avoid

• Not trying name variationsSearch under maiden names, former names, and nicknames.
• Using only your current addressSearch every address where you've lived.
• Giving up after one searchNew unclaimed property is added regularly. Search again every year or two.
• Forgetting about businessesIf you owned a business or were a partner, search under the business name too.

Scam warnings

Be careful of scams:

• Never pay upfrontLegitimate unclaimed property programs are free. No one should charge you to search or claim your money.
• Don't trust unsolicited emails or callsScammers pretend to be from the state and ask for personal information or payment.
• Use only the official search siteGo directly to fltreasurehunt.gov. Do not click links in emails.
• Verify before sharing informationCall the Florida Department of Financial Services directly if you're unsure.

What happens next

Once your claim is approved, the state will send your money by check or direct deposit. Keep records of your claim for your taxes. If you claimed a large amount, you may owe taxes on it.

Applying is free. Only the Florida Department of Financial Services decides if you qualify for the unclaimed property you find.

Need help? Visit our unclaimed money page for more information about unclaimed property nationwide.