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Minnesota · Unclaimed property · Updated Oct 2026

Unclaimed money in Minnesota: how to find and claim it

Minnesota Department of Commerce, Unclaimed Property Program holds money that businesses could not return to its owners. Here is how to search, what proof you need and how long it takes.

Freeto search and claim
Yeson MissingMoney.com

Search Minnesota's official list of unclaimed property by name.

Search in Minnesota

How to claim in Minnesota

  1. Search the Minnesota Unclaimed Property site by name. Add a city or ZIP code to narrow the results.

  2. Click CLAIM on each item, then CONTINUE TO FILE CLAIM.

  3. Enter your current mailing address and submit to get a claim number.

  4. Open the email that comes with your claim form. It lists exactly what you must send.

  5. Sign the claim form. Attach a copy of your photo ID and a document showing your Social Security number. Upload them online or mail them in.

  6. Check your claim status online with your claim number.

Official instructions for claims

Documents you may need

Money owed to a relative who died

Heirs can claim, but the official site does not list heir documents online. Your claim form will say what to send. By law, you only need to send the parts of a will, trust or court order that prove your claim (Minn. Stat. § 345.49).

Contact the program

Program
Minnesota Department of Commerce, Unclaimed Property Program
Phone
651-539-1545 (option 1 for claims)
Claims by mail
Minnesota Department of Commerce, Unclaimed Property Program, 85 7th Place East, Suite 280, Saint Paul, MN 55101

Finder fees in Minnesota

It is illegal for anyone to charge you to locate property within 24 months after it was turned over to the state. After that, a finder agreement for more than 10% is valid only if it is in writing, signed by you, and says what the property is, its value and who held it. You can challenge an unfair fee at any time.

Law: Minn. Stat. § 345.515

Watch out: The state says it does not charge claimants anything to claim.

Good to know

Also check outside Minnesota

Search every other state where you lived or worked. Some money, like old savings bonds and IRS refunds, is held by federal agencies.

MissingMoney.com and NAUPA state unclaimed property search

Money that businesses could not return to you and had to hand over to a state, such as old bank accounts and insurance policies. USA.gov says state governments hold most unclaimed money.

Official site

U.S. savings bonds (TreasuryDirect)

Old paper or electronic U.S. savings bonds that were never cashed, including bonds that have matured and stopped earning interest (EE and I bonds earn interest for up to 30 years), plus lost, stolen or destroyed bonds.

Official site

IRS refunds from tax returns never filed (3-year rule)

Tax refunds owed to people who never filed a federal tax return for a year, often because they earned little and were not required to file. The IRS says taxpayers usually have three years to file and claim a refund; after that the money becomes the property of the U.S. Treasury.

Official site

Questions about Minnesota

How do I find unclaimed money in Minnesota?

Search the official database run by the Minnesota Department of Commerce, Unclaimed Property Program. Searching is free. Search every name you have used and every address where you lived in Minnesota.

Does it cost anything to claim money in Minnesota?

No. The state does not charge a fee to claim. It is illegal for anyone to charge you to locate property within 24 months after it was turned over to the state. After that, a finder agreement for more than 10% is valid only if it is in writing, signed by you, and says what the property is, its value and who held it. You can challenge an unfair fee at any time.

How do I claim money for a relative who died in Minnesota?

Heirs can claim, but the official site does not list heir documents online. Your claim form will say what to send. By law, you only need to send the parts of a will, trust or court order that prove your claim (Minn. Stat. § 345.49).

Other states