California Licensed · BBB A+ Rated
Money you didn't know existed. We find it. You keep it.
We have recovered $5M+ in forgotten 401(k)s, stock dividends, and bank accounts for Californians. 98% success rate. Zero upfront costs.
Reviewed by Anya Hanna, Founder and CEO, Find My Money · Licensed California Asset Recovery Firm · Last updated May 2026
What we recover
What's waiting for you in California
California holds $15B+ in unclaimed property. Most people have no idea it exists. Here is what we find most often.
Old 401(k)s and Retirement Accounts
When you leave a job, small balances get cashed out and sent to the state if you cannot be reached. Happens when you move, change numbers, or your employer merges or closes.
Oakland resident · 2015 employer · "Thought the balance was too small to worry about"
Stock Shares and Dividend Payments
Employee stock purchase plans, forgotten brokerage accounts, uncashed dividend checks. When companies cannot deliver payments, funds go to the state. Common after acquisitions.
PG&E employee stock · Changed addresses twice · Checks never forwarded
Dormant Bank Accounts
After 3 to 5 years of no activity, banks send dormant accounts to the state. Savings accounts, checking accounts, CDs, and utility deposits all qualify once they go inactive long enough.
Sacramento · College savings from 2012 · Moved out of state and forgot about it
Life Insurance Payouts
Insurance companies try to find beneficiaries but often cannot. Families frequently do not know certain policies existed, especially employer-sponsored life insurance from jobs held decades ago.
Fresno · Deceased parent · Insurance had old address and stopped searching
Unclaimed Paychecks and Commissions
Final paychecks, bonuses, and expense reimbursements from job transitions. When you leave quickly or a company cannot reach you, payments sit uncashed until the state picks them up.
Final sales commission · Accepted new offer quickly · Moved cities the same month
Security Deposits and Utility Refunds
Apartment deposits, PG&E utility deposits, and insurance credits. Small amounts individually, but they add up when you move frequently or switch providers. Many people never follow up.
San Diego apartment · Property management changed · Tenant records lost in transition
Inheritance from Deceased Relatives
When estate executors cannot locate beneficiaries, assets go to the state. Families often learn about these funds years later. Find My Money specializes in locating heirs and navigating probate requirements.
Distant aunt's estate · Executor could not locate next of kin · Found 4 years later
Unclaimed Tax Refunds
State and federal refunds that were returned as undeliverable or never cashed. Common after moves. California and the IRS both hold these indefinitely until claimed.
2019 state refund · Amended return mailed to address from two moves ago
Less obvious claims
We also recover these
Often overlooked, these claim types add up quickly when you have moved, changed employers, or had relatives pass away.
Safe deposit box contents
When banks close or merge, contents get turned over to the state
Court settlements and judgments
Unclaimed lawsuit payouts, class action funds, and small claims judgments
Business vendor payments
Outstanding invoices, vendor credits, and refunds owed to businesses
Escrow and trust funds
Leftover funds from real estate closings and refinancing transactions
Mineral rights and royalties
Oil, gas, and mining royalty payments that could not be delivered
Customer overpayments and credits
Credits from utilities, insurance companies, and subscription services
Student loan refunds
Overpayments and forgiveness credits from loan servicers
Medical and dental refunds
Insurance overpayments, FSA balances, and provider billing credits
Gift cards and store credits
Unredeemed balances from closed retailers and bankrupt chains
Phone and internet deposits
Service deposits from cell carriers and internet providers never returned
California holds over $15 billion in unclaimed property. About 1 in 7 Californians has money waiting. Most have no idea it exists.
The process
Simple process. Real results.
We handle everything. You sign a few things and wait for your check.
We find your money
Our platform monitors California databases daily. When unclaimed property appears in your name, we reach out. Most people have no idea the funds exist.
We handle the paperwork
Forms, notarization, state filing. We cover the notary cost and track everything. You sign a few things. That is it.
You get paid
The state sends your check directly. We take our percentage only after you are paid. You never write us a check.
Client stories
Real people, real results
5.0 from 44 verified Google reviews
“Find My Money was truly outstanding. Initially skeptical, but after a 10-minute conversation my CPA and I were both confident. Check arrived last week.”
“Found my sister and me $69,000. Honest and knowledgeable, following through on every detail no matter how small. They are awesome.”
“Hesitant at first, sounded too good to be true. But they delivered exactly what was promised. Professional, efficient, no surprises.”
Common questions
Questions about unclaimed property types
What types of unclaimed property does Find My Money recover?
Find My Money recovers all types of California unclaimed property: forgotten 401(k)s and retirement accounts, stock shares and dividends, dormant bank accounts, life insurance payouts, unclaimed paychecks and commissions, security deposits, inheritance from deceased relatives, tax refunds, safe deposit box contents, court settlements, business vendor payments, escrow funds, mineral rights royalties, and utility overpayments. If the California State Controller holds it, we can recover it.
How much unclaimed property does California hold?
The California State Controller's Office holds over $15 billion in unclaimed property as of 2026. That figure grows every year as banks, insurance companies, employers, and other institutions report dormant accounts and undeliverable funds. About 1 in 7 Californians has unclaimed money sitting with the state right now.
What is the most common type of unclaimed property in California?
The most common types are dormant bank accounts, forgotten 401(k) balances from previous employers, uncashed dividend checks, life insurance benefits where beneficiaries were not located, and security deposits from apartment moves. Old 401(k) accounts from job changes 5 or more years ago are particularly common and often worth far more than people expect.
Can Find My Money recover property from a deceased relative?
Yes. Estate and inheritance recovery is one of our specialties. When a relative passes and their assets go unclaimed, Find My Money locates all eligible heirs, prepares probate documentation, and files with the California State Controller. Average estate recovery is $42,000 to $69,000. These cases need death certificates, proof of relationship, and sometimes probate court documents, all of which we help gather.
How long does California hold unclaimed property?
California holds unclaimed property indefinitely. There is no deadline. The State Controller is required by law to hold funds until the rightful owner or heir claims them. Money reported to the state 30 years ago is still claimable today. The sooner you claim it, the better, but there is no risk of losing it to a statute of limitations.
We'll reach out when we find money in your name
Our team monitors California databases daily. No upfront cost. We only get paid when you do.
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