Massachusetts Unclaimed Property: How to Search and Claim (Free)
Held by the state
Average claim
Cost to claim
Massachusetts is holding about $3.4 billion in unclaimed property as of July 2026. You can search your name and claim it for free at findmassmoney.gov, the official Massachusetts State Treasurer, Unclaimed Property Division site. A simple claim in your own name takes about 10 minutes and costs nothing.
How to search Massachusetts’s unclaimed property for free
The only site you need is findmassmoney.gov, run by the Massachusetts State Treasurer, Unclaimed Property Division. Searching is free, and so is filing your claim. You never pay the state to get your own money, and you never need to hand over money to see what is waiting for you.
Search your last name first, then try maiden names, nicknames, and any business you owned. Massachusetts lists property under old mailing addresses, so search broadly and check every result that could be you before you file.
The Massachusetts State Treasurer, Unclaimed Property Division
Massachusetts’s unclaimed property is held by the Massachusetts State Treasurer, Unclaimed Property Division. When a bank, employer, or insurer loses touch with you for the state’s dormancy period, it must turn your money over to this office, which then holds it for you to claim.
Massachusetts brands its program 'Find Mass Money' out of the State Treasurer's office and reports to MissingMoney.com. Massachusetts pays interest on some accounts it holds and is known for a straightforward online claim flow for single owners.
What’s specific to Massachusetts
- Branded 'Find Mass Money' at findmassmoney.gov.
- Massachusetts pays interest on certain interest-bearing accounts it holds.
- The Treasury runs frequent local outreach events across the state.
How to claim in Massachusetts
You can do this yourself in about 10 minutes, free. Here is exactly how, step by step.
Search Find Mass Money at findmassmoney.gov
Search your name on the Massachusetts State Treasurer's official site. Massachusetts also reports to MissingMoney.com.
Add your matching property to a claim
Select each result that is yours and start a claim. Include maiden names and any business you owned.
Verify your identity
Provide your address and the last four digits of your Social Security number so the Treasurer can match the record. Filing is free.
Submit your documents
Upload a government ID and any proof requested. Estate and securities claims need extra documents.
Get paid, with interest where it applies
Massachusetts pays approved cash claims within a few weeks to a couple of months and pays interest on certain accounts it held. Estate claims take longer.
Claiming for a deceased relative in Massachusetts
You can claim property that belonged to a relative who died, but Massachusetts will ask for more than a simple claim needs. Expect to provide a certified death certificate and proof that you are entitled to the estate — a will, letters testamentary, or a small-estate affidavit, depending on the amount.
Here’s the honest part: heir claims take longer than claims in your own name, sometimes several months, because the state verifies the chain of inheritance. If several heirs exist, each may need to sign. Our guide on claiming unclaimed money from deceased relatives walks through exactly which documents Massachusetts accepts.
Dormancy periods in Massachusetts
“Dormancy” is how long an account can sit untouched before the holder must report it to the state. It varies by property type:
| Property type | Dormancy period |
|---|---|
| Bank accounts | 3 years |
| Uncashed wages | 3 years |
| Utility deposits | 1 year |
| Insurance proceeds | 3 years |
| Stocks and dividends | 3 years |
| Money orders | 7 years |
Massachusetts finder-fee cap
You do not need a finder. A finder is a company that offers to recover your money for a cut. Their letters are not a scam, but they are unnecessary — the same claim is free if you file it yourself.
Massachusetts caps what a finder can charge at 10%, under Mass. Gen. Laws ch. 200A §11. If a letter asks for more, or asks for money up front, treat it as a red flag.
Massachusetts unclaimed property: common questions
Yes. Find Mass Money is the official site of the Massachusetts State Treasurer. Searching and claiming are free, and Massachusetts reports to MissingMoney.com.
Yes. 'Found money' is unclaimed property the State Treasurer holds for you through Find Mass Money — old accounts, refunds, and uncashed checks. It is free to search and claim at findmassmoney.gov, and Massachusetts reports to MissingMoney.com.
Search your name at findmassmoney.gov, add your property, verify your identity, and submit. There is no fee.
Simple single-owner claims are typically reviewed within a few weeks to a couple of months.
Massachusetts caps finder's fees at 10% under Mass. Gen. Laws ch. 200A §11. You do not need a finder for a claim in your own name.
Yes, as an heir, with a death certificate and estate documents. See our deceased-relative guide.
Unclaimed property in nearby states
See all state guides, or read how to find unclaimed money in your name for free across every state and federal source.