Find Money Owed You in 2026: Easy Steps & Free Tools

Find Money Owed You in 2026: Easy Steps & Free Tools

To find money owed you, start by checking unclaimed property databases and using tools like BON Credit. This guide covers where to look, how to claim, and tools to simplify the process.

This article is for informational purposes only and does not constitute financial advice. Consult a licensed financial advisor before making major financial decisions.

By Samder Khangarot, Founder of BON Credit | Last updated: March 2026

Start with Unclaimed Property Databases

Unclaimed property databases are a key resource for finding money owed to you. These databases, managed by state governments, list financial assets that businesses can't locate the owners for. You might find forgotten bank accounts, uncashed checks, or security deposits. According to the FDIC, billions lie unclaimed in such databases.

1. Visit your state's unclaimed property website.
2. Enter your name and information to search.
3. Follow the steps to claim your funds if found.

Each state has its website, so make sure you check multiple states if you've lived in different places.

Leverage BON Credit's AI Tools

Using BON Credit can simplify the process of finding money owed you. BON's AI agent scans for unclaimed property, forgotten accounts, and even open class action settlements. You don't have to think about it — BON acts automatically to locate funds you might miss otherwise.

For example, BON can find unclaimed property through its database checks and notify you instantly. This feature saves you time and potentially hundreds of dollars.

Check for IRS Refunds and Tax Credits

You might have money owed from the IRS through unclaimed tax refunds or missed tax credits. Tax credits, like the Earned Income Tax Credit (EITC), reduce the amount of tax you owe and can even result in a refund. The IRS holds millions in unclaimed refunds each year. Visit the IRS website to verify if you have any unclaimed refunds.

1. Review your past tax returns for missed credits.
2. File amended returns if necessary.
3. Contact the IRS for assistance if needed.

Explore Class Action Settlements

Class action settlements are another way to find money owed you. These settlements occur when a group sues a company, and the company agrees to pay those affected. BON Credit can identify settlements you qualify for and guide you through the claim process.

For instance, if a settlement involves a product you purchased, you may be eligible for a payout without having to join the lawsuit actively.

Comparison Table: Finding Money Owed to You

Frequently Asked Questions

How do I find unclaimed money owed to me?

Start by searching state unclaimed property databases and use AI tools like BON Credit. These resources help locate forgotten accounts, unclaimed refunds, and more.

What is unclaimed property?

Unclaimed property includes financial assets like forgotten bank accounts, uncashed checks, and unused gift cards. These assets become unclaimed when businesses can't locate the owner.

Can BON Credit really find money owed to me?

Yes, BON Credit uses AI to scan for unclaimed properties, forgotten accounts, and class action settlements you might qualify for. It automates the search process and notifies you of findings.

Are there fees to claim unclaimed money?

Claiming unclaimed money through state websites or the IRS is typically free. Be cautious of third-party services that charge fees for assistance.

Finding money owed to you doesn't have to be a daunting task. With the right tools and resources, you can uncover hundreds or even thousands of dollars. Let BON Credit's AI do the heavy lifting, ensuring more money in your pocket without the hassle.