The Federal Deposit Insurance Corporation (FDIC) provides deposit insurance to financial
institutions and depositors of these institutions. If a financial institution is closed, by
a regulatory agency, the FDIC is appointed as Receiver and is responsible for the payment of
insured deposits and the liquidation of the remaining assets. If you did not claim your funds
previously you now have another opportunity to do so. Review the "How to claim your funds"
section below and complete the attached form.
Why does FDIC have unclaimed funds?
When a failed financial institution (bank or savings and loan) with federal deposit insurance
is liquidated, the FDIC resolution division is responsible for paying:
- Unclaimed insured deposits up to the insurance limit
- Dividends declared on excess deposits over the insurance limit
- Dividends declared on general creditor claims
- Funds distributed to the shareholders of the failed institution
In many instances these funds remain unclaimed because:
- The insured deposit is never claimed from the assuming financial institution
- The dividend check on the excess deposit amount is not cashed
- The dividend check on the general creditor claim is not cashed
- The check to the shareholder is not cashed
- A valid address is not on file and the dividend check has been returned
to the FDIC
What funds are available?
The database for this site contains unclaimed funds for either unclaimed insured deposits (for receiverships
established between January 1, 1989 and June 28, 1993), or for dividend checks issued which were undeliverable or never cashed.
As receiverships are terminated, under Federal Law 12 U.S.C., 1822(e); see also Pub. L. No. 103-44, section 2(b) unclaimed insured
funds can no longer be claimed and data will be removed from the website. Dividends, however, for uninsured portions of a deposit
might be claimed post termination if a dividend check was returned for a bad address.
How to search for funds:
Before doing searches on unclaimed funds, please read the FDIC's general disclaimer.
Search options are first name only, last name only, first and last name, business name, or official item check number.
To narrow your search you may enter additional information; i.e., Failed Institution Name, OR City,
OR State. After you have entered your search criteria, click on submit. The results for name
searches will return with all matches to your character string. Then you may review the results
to determine if the FDIC holds funds for you. If you find your name and believe FDIC may be
holding your funds, please follow the instructions in the "How to claim your funds" section