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Unclaimed Savings Account - Lost IRA and CD Search
 
Bank accounts are considered abandoned if a deposit or withdrawal is not made over a period of time, generally one to five years. Do you have unclaimed money at a bank that moved, changed its name, or closed?

Don't assume that because your bank, savings and loan or credit union no longer exists that unclaimed funds are lost forever. Your account may have been transferred to a new bank or a government custodian after a merger or acquisition.

Even if your bank failed and closed its doors, you may still be entitled to collect insurance proceeds, currently up to $250,000 per account, from government regulators including the FDIC and NCUA.

Under the terms of the Financial Institutions Reform Recovery & Enforcement Act of 1989 (FIRREA), the government has taken custody of several hundred million dollars worth of insured savings accounts, Individual Retirement Accounts (IRA) and Certificates of Deposit (CD) over the years, currently holding unclaimed accounts worth hundreds of millions of dollars.

Unclaimed money may be recovered after years of inactivity, even if a passbook is lost or destroyed, but you must act promptly to safeguard your rights, as some claims are subject to time limits.


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