Unclaimed money in Tennessee

Tennessee holds millions of dollars in unclaimed property—bank accounts, insurance payments, utility deposits and more that people have forgotten about. You can search for and claim this money for free through the official Tennessee state program.

Search the official database

Start by visiting the Tennessee Unclaimed Property search site. This is the only official place to look.

Search under your name. If you don't find anything, try searching under:

• Nicknames or middle names
• A married name or maiden name if your name has changed
• Your address from years ago (even if you've moved)

If someone else owes you money and you know their name, you can search for property under their name too.

What counts as unclaimed property

Unclaimed money in Tennessee includes:

• Bank accounts and savings that sit inactive
• Uncashed paychecks or tax refunds
• Insurance claim payouts
• Utility deposits
• Stocks and dividends
• Refunds owed by stores or contractors

Money is typically considered unclaimed after three to five years of no activity, depending on the type of account.

How to file a claim

If you find your name in the search results:

1. 1
   Step 1: Note the amount and the company that holds the money
2. 2
   Step 2: Visit the search site and follow the link to file a claim
3. 3
   Step 3: Fill out the claim form with your personal information
4. 4
   Step 4: Provide proof of your identity and ownership

The process is free. Tennessee's treasurer's office never charges a fee to help you claim your own money. Be cautious of third-party companies that offer to search for you or claim money on your behalf—they often charge a percentage of what you receive.

What proof you usually need

Keep these documents ready when you file:

• A government-issued ID
• Social Security number
• Current address
• Proof of the account (old bank statements, insurance documents, utility bills)
• Any other paperwork connecting you to the money

The holding company may ask for additional information before releasing the funds.

Claiming money for someone who has died

If you're settling an estate or are an heir, you can claim unclaimed property in a deceased person's name. You'll typically need:

• A death certificate
• Proof that you're authorized to act for the estate (like letters testamentary or a court order)
• Your own ID

Contact the Tennessee Unclaimed Property office through the search site for specific instructions for claims involving an estate.

What happens next

After you submit your claim, the office reviews it and contacts the company that holds the money. This can take a few weeks to several months depending on the complexity of your case. You'll receive payment by check or direct deposit once your claim is approved.

Avoid scams

Be wary of:

• Emails or calls claiming you have unclaimed money (legitimate searches happen when you reach out)
• Companies charging a fee or percentage to find or claim your money
• Requests for payment upfront
• Pressure to act quickly

Always search for free at the official Tennessee site. If you have questions, contact Tennessee's treasurer's office directly through the search website.

Need help?

If you're unsure about your eligibility or how to start, visit our help page or screener tool for guidance on other benefits you might qualify for. Tennessee may have other assistance programs worth exploring as well—visit our Tennessee programs page to learn more.