Money from a failed bank or credit union
For a failed bank, search the FDIC unclaimed funds list. For a closed credit union, check NCUA's unclaimed deposits list. Dormant accounts at open banks usually go to your state. Official searches are free.
Where to look
FDIC unclaimed funds from failed banks
Unclaimed insured deposits and other money from banks that failed.
How: Free search by name, business name or check number.
Checked 27 September 2026
NCUA unclaimed deposits from closed credit unions
Deposits from credit unions that were liquidated. Claims made within 18 months are paid at the full insured amount; later claims may be paid only in part.
How: Check the list by last name, then send the member verification form.
Checked 27 September 2026
Your state unclaimed property office
Dormant bank accounts, uncashed checks and safe deposit box contents are usually handed to the state.
How: Ask Find My Money for your state. Find your state's official search.
Checked 27 September 2026 · Source: usa.gov
Searching is free
Official searches are always free. Never pay an upfront fee or give bank or card details to "release" money. Finder companies exist and charge a share of what they find, so check with your state that one is registered before signing anything.
Quick answers
- How do I get money from a bank that failed?
- For a failed bank, search the FDIC unclaimed funds list. For a closed credit union, check NCUA's unclaimed deposits list. Dormant accounts at open banks usually go to your state. Official searches are free.
- What is FDIC unclaimed funds from failed banks?
- Unclaimed insured deposits and other money from banks that failed. Free search by name, business name or check number.
- What is NCUA unclaimed deposits from closed credit unions?
- Deposits from credit unions that were liquidated. Claims made within 18 months are paid at the full insured amount; later claims may be paid only in part. Check the list by last name, then send the member verification form.
- Do I have to pay to search?
- Official searches are always free. Never pay an upfront fee or give bank or card details to "release" money. Finder companies exist and charge a share of what they find, so check with your state that one is registered before signing anything.
Sources
- https://closedbanks.fdic.gov/funds/
- https://ncua.gov/support-services/conservatorships-liquidations/unclaimed-deposits
- https://unclaimed.org/
- https://www.usa.gov/unclaimed-money
Ask Find My Money yourself
Type what you are looking for, like an old 401(k) or a tax refund, and get the official place to check. Open Find My Money, free, no sign-up.
In Claude or any app that takes MCP connectors, add https://goodturn-mcp.pages.dev/findmymoney/mcp and ask: “How do I get money from a bank that failed?”
In the UK? See Find a lost UK bank or building society account.