Have you ever forgotten about an old bank account?  How would you know if you forgot about it?  Run a periodic check of unclaimed property that you may not even know you have.  You can do an internet search for unclaimed property for your state of residence or prior state of residence and then search for your name.  You should never have to pay anyone to claim lost funds.  Each state provides the means to identify and claim lost property.  You will have to provide certain documentation to prove your claim. For Pennsylvania, go to www.patreasury.gov.