The State of Missouri currently acts as the custodian for over $1.5 billion in lost assets. This vast sum belongs to more than 5 million owner accounts, ranging from uncashed payroll checks to forgotten utility deposits. The Missouri State Treasurer oversees this massive "lost and found" through the Show Me Money program.

Statistically, 1 in 10 Missourians has property waiting to be claimed. The average claim returns approximately $300 to the rightful owner. These funds are held in perpetuity, meaning the state preserves your right to claim them forever, regardless of how much time has passed since the asset was abandoned.

Key Takeaways

• Risk-Free Recovery: The Missouri State Treasurer never charges a fee to return unclaimed property.
• Volume of Assets: There is currently over $1.5 billion held in trust for Missouri residents.
• Heirship Claims: Family members can claim assets for deceased relatives using specific probate or affidavit procedures.
• Forever Trust: There is no statute of limitations on claiming your money; the state holds it indefinitely until you claim it.
• Annual Updates: New accounts are added annually, so checking the database once a year is a recommended financial habit.

The "Show Me Money" Ecosystem

The legal framework governing unclaimed money in Missouri is designed to protect consumers. When a business (the "holder") loses contact with a customer for a specific period, they cannot simply keep the money. State law mandates they transfer these assets to the State Treasurer’s Office for safekeeping.

This process prevents companies from absorbing your money as revenue. Instead, the state acts as a custodial trustee. While the state may use the "float" (the cash value) for investment purposes to benefit Missouri taxpayers, the principal amount always remains available for the original owner to claim.

Common Sources of Unclaimed Funds

Assets become "unclaimed" after a period of inactivity known as the dormancy period. Common examples include:

• Dormant Bank Accounts: Savings or checking accounts with no activity.
• Uncashed Checks: Payroll wages, insurance dividends, or cashier's checks.
• Safe Deposit Boxes: Precious items or documents from drilled boxes.
• Utility Deposits: Refunds left behind after a move.
• Insurance Payouts: Death benefits or matured policies where the beneficiary could not be found.

Understanding Unclaimed Money Missouri Dormancy Periods

The dormancy period is the statutory wait time before a company must send your money to the state. Understanding these timelines can help you track down missing funds based on when you last interacted with an account.

Source: Missouri Revised Statutes and Treasurer’s Reporting Guidelines.

Step-by-Step Recovery Process

Recovering your assets is generally a straightforward process, thanks to digital modernization. The Show Me Money system allows many users to file "paperless" claims, which are processed automatically through data matching.

1. Search the Database

Start by visiting the official (https://treasurer.mo.gov/unclaimedproperty/). Enter your name, or the name of a business or deceased relative. It is advisable to search for common misspellings or maiden names to ensure you do not miss an account.

2. Submit Your Claim

If you find a match, select "Claim." The system will ask you to verify your identity.

• Paperless Claims: If the system can verify your Social Security Number (SSN) and current address against public records, your claim may be approved instantly.
• Standard Claims: If the amount is large or the address data is old, you may need to upload documentation.

3. Provide Documentation

For claims that cannot be automatically verified, you will need to prove two things: Identity and Address.

• Proof of Identity: A copy of your driver’s license or state ID.
• Proof of Address: A document linking you to the address where the money was reported (e.g., an old utility bill, bank statement, or credit report page).

Navigating Deceased Estates and Heirship

A significant portion of unclaimed money in Missouri belongs to deceased individuals. Claiming these funds requires navigating the intersection of unclaimed property statutes and probate law.

The Small Estate Affidavit

If the value of the deceased’s entire estate (including the unclaimed property) is less than $40,000, you may not need full probate. Missouri law allows for a (https://smartasset.com/estate-planning/small-estate-affidavit-missouri).

• Eligibility: Total estate assets must be under $40,000.
• Process: File the affidavit with the probate court in the county where the deceased lived.
• Result: The court issues a certificate authorizing you to collect the assets, which the Treasurer’s office will accept.

The Table of Heirship

In cases where no estate was ever opened, and years have passed, the Treasurer may accept a Table of Heirship.

• This is a sworn, notarized statement outlining the family tree.
• It identifies the spouse, children, and siblings of the deceased.
• The Treasurer uses this to determine who is entitled to the funds under Missouri's intestacy laws.

Required Documents for Heir Claims

• Death Certificate: Certified copy for the original owner.
• Proof of Relation: Birth certificates or marriage licenses linking you to the deceased.
• Estate Documents: Letters Testamentary or Small Estate Affidavit (if applicable).

Safe Deposit Boxes and Tangible Assets

When safe deposit box rent goes unpaid for five years, the bank drills the box and sends the contents to the Treasurer. Unlike cash, the state does not keep physical items forever.

The Auction Process

To manage storage space, the Treasurer holds periodic public auctions.

• Items like jewelry, coins, and stamps are sold to the highest bidder.
• The cash proceeds from the sale are credited to the owner's account.
• You can claim this cash value at any time, but the physical item is gone once sold.

The Military Medal Exception

There is a strictly enforced exception for military awards. The Treasurer does not auction military medals or insignia. These items are held indefinitely in hopes of returning them to the veteran or their family.

Avoiding Scams and Predatory Fees

The promise of found money makes this industry a target for scammers. Be vigilant and protect your personal information.

Red Flags to Watch For

• Upfront Fees: You should never pay a fee to claim your money from the state.
• Urgency: Scammers often claim the money will "expire" soon. In Missouri, unclaimed property is held in perpetuity.
• Unofficial Communications: Be wary of texts or emails from generic addresses (e.g., Gmail or Hotmail) claiming to represent the state.

Commercial "Heir Finders"

You may be contacted by third-party "locators" who offer to claim the money for you in exchange for a percentage (often 10-20%). While legal, these services are unnecessary for most people.

• Fee Limits: Missouri law limits the fees these locators can charge (maximum 20%).
• DIY is Free: You can perform the exact same search and claim process yourself for free on the official state website.

Why You Should Check Annually

Millions of dollars in new unclaimed property are reported to the state every year. Just because you did not find your name today does not mean you won't have a claim tomorrow.

Make it a habit to check the National Association of Unclaimed Property Administrators database or the Missouri Treasurer's site annually. It takes less than a minute and ensures that your hard-earned assets remain in your hands.

Frequently Asked Questions

Arizona unclaimed property consists of financial assets that have been separated from their owners for a specific period of inactivity. When a bank account, uncashed paycheck, or security deposit goes dormant, state law requires the holding company to transfer these funds to the government for safekeeping. The state acts as a permanent custodian, holding the money indefinitely until the rightful owner or heir steps forward to claim it.

Current records indicate that the Arizona Department of Revenue safeguards over $2 billion in lost funds. In Fiscal Year 2024 alone, the department returned a record $88 million to consumers. Understanding how to navigate this system is the first step toward recovering what legally belongs to you.

Key Takeaways

• Custodial Protection: The state holds assets forever; there is no deadline to file a claim.
• Search is Free: You never need to pay a fee to search the official state database or file a standard claim.
• Dormancy Triggers: Most accounts become "unclaimed" after three years of inactivity, though payroll checks trigger after just one year.
• Heir Finder Limits: Private investigators cannot legally charge more than 30% of the asset's value for recovery services.
• Estate Recovery: New laws have raised the Small Estate Affidavit limit to $200,000, making it easier for heirs to claim funds without full probate.

The Role of the Arizona Department of Revenue

The Unclaimed Property Unit operates under a "custodial" model rather than an ownership model. This means the state never actually takes legal title to your money; it simply holds it to prevent companies from absorbing it as profit. Whether the funds are from 1995 or 2024, the liability to pay the owner remains active.

This system centralizes lost assets into a single, searchable repository. Instead of contacting every previous employer or bank you have used, you can perform one search to locate multiple assets. This public service is funded by the interest earned on the unclaimed funds, allowing the claims process to remain free for the public.

Understanding Dormancy Periods

Before money is transferred to the state, it must sit inactive for a specific timeframe known as a "dormancy period." The clock starts ticking from the date of the last owner-initiated contact. Understanding these timelines helps you determine when a missing asset might appear in the state database.

Common Arizona Dormancy Timelines

How to Search and File a Claim

The recovery process is designed to be user-friendly, but it requires precise verification to prevent fraud. The most effective way to begin is by visiting the official portal to file a claim.

Step 1: Search Strategically

When searching the database, use multiple variations of your name. Try searching for "Bob Smith" as well as "Robert J. Smith." If you have changed your name due to marriage or divorce, check under all previous legal names. It is also wise to search for the names of deceased relatives, as many accounts are discovered years after an individual’s passing.

Step 2: Submit Proof of Ownership

Once you identify a potential asset, you must prove it belongs to you. The state requires a standard "Evidence Matrix" to validate claims.

• Identity: A copy of your driver’s license or government ID.
• Social Security Number: A document displaying your SSN (like a tax return or W-2) to match against the report filed by the holder.
• Address Association: The most critical step is proving you lived at the address reported with the lost asset. Old utility bills, credit reports, or school transcripts are often accepted as proof.

Recovering Funds for Deceased Relatives

A significant portion of unclaimed property belongs to deceased individuals. Heirs can recover these funds, but they must establish their legal right to the estate.

Small Estate Affidavit Updates

For smaller estates, you do not need to go through the expensive and lengthy probate process. Recent legislative updates (HB 2116) have significantly increased the cap for using a Small Estate Affidavit.

• Personal Property Limit: Now raised to $200,000.
• Real Property Limit: Now raised to $300,000.

If the total value of the unclaimed assets falls below these thresholds, heirs can file a notarized affidavit 30 days after the death. This document, combined with a death certificate and proof of relation, allows the state to release funds directly to the eligible heirs.

Avoiding Scams and Predatory Fees

The promise of "found money" attracts scammers who try to exploit eager consumers. Be vigilant against unsolicited text messages claiming you have a pending payout. The Department of Revenue explicitly states they never notify owners via text message.

Evaluating Heir Finders

You may be contacted by private firms known as "heir finders" or asset locators. These are legitimate businesses, but they are strictly regulated to protect you.

• Fee Cap: By law, they cannot charge a fee higher than 30% of the recovered value.
• Cooling-Off Period: They are prohibited from contracting with you within 24 months of the property being turned over to the state.
• DIY Option: Remember, you can perform the exact same search they do for free on the state's website.

Holder Responsibilities for Businesses

Businesses in Arizona play a critical role in this ecosystem. Any entity holding uncashed checks or dormant accounts is legally defined as a "Holder." Holders are required to perform due diligence by mailing notices to owners before transferring the funds.

Companies must complete the process of reporting unclaimed property annually. The primary deadline for most businesses is November 1, while life insurance companies must report by May 1. Failure to report can result in audits, interest assessments, and penalties, making compliance essential for corporate financial health.

Frequently Asked Questions

Ohio unclaimed property represents a staggering $4.8 billion financial reservoir currently held by the state. From forgotten savings accounts to uncashed payroll checks, millions of dollars are waiting to be reunited with their rightful owners. However, recent legislative changes have introduced strict deadlines, making it more urgent than ever to locate and recover these assets.

Key Takeaways

• New 10-Year Deadline: Under House Bill 96, funds reported after January 1, 2026, must be claimed within 10 years, or they are permanently forfeited.
• Massive Volume: The state holds approximately $4.8 billion in lost assets, returning over $149 million to claimants in 2024 alone.
• Free to Search: You never need to pay upfront fees to search or file a claim through the official state portal.
• Probate Matters: Claims for deceased relatives often require specific court documents depending on the estate's value.
• Tax Implications: While the principal amount is not taxable, any interest paid by the state must be reported to the IRS.

The "Use It or Lose It" Law (House Bill 96)

The landscape of unclaimed property in Ohio shifted dramatically with the enactment of House Bill 96. Historically, the state acted as a custodial guardian, holding funds indefinitely until an owner stepped forward. That perpetual safety net has been removed.

Effective January 1, 2026, a statute of repose places a definitive expiration date on your ability to recover funds.

• Old Accounts: For property reported prior to January 1, 2026, you have until January 1, 2036 to file a claim.
• New Accounts: For any property reported on or after January 1, 2026, the 10-year clock begins ticking immediately upon reporting.

If these deadlines pass without action, the money is permanently transferred to the Ohio Cultural and Sports Facility Performance Grant Fund. This fund supports infrastructure projects like stadiums and cultural venues, meaning your lost savings could effectively become a donation to state construction projects if not claimed in time.

How to Search and Claim Your Money

Recovering your assets is a structured process designed to verify identity and prevent fraud. The(https://com.ohio.gov/divisions-and-programs/unclaimed-funds) has modernized its system to allow for digital uploads and faster processing.

Step 1: Perform a Comprehensive Search

Visit the official state portal to begin. It is crucial to search for:

• Current and maiden names.
• Common misspellings of your name.
• Names of deceased relatives (parents, grandparents).
• Former business names if you owned a company.

Step 2: Initiate the Claim

Once you identify a potential match, you can generate a claim form online. The system may "fast-track" simple claims where your current address matches the reported data perfectly. For more complex scenarios, you will need to provide documentation to prove ownership.

Step 3: Provide Verification

Documentation is the biggest hurdle for most claimants. The state requires proof that you are the rightful owner. Refer to the table below for standard requirements.

Recovering Funds for Deceased Relatives

A significant portion of unclaimed property belongs to deceased individuals. To claim these funds, you cannot simply present a death certificate; you must demonstrate legal authority to act on behalf of the estate.

The requirements depend heavily on the value of the estate and the assets found:

1. Summary Release from Administration:

• Surviving Spouse: If you are the spouse and assets are under $40,000 (plus funeral expenses), you can use this streamlined process.   
• Non-Spouse: If you paid the funeral bill, you may claim up to $5,000 or the amount of the funeral expenses, whichever is less.  

• If the surviving spouse is the sole heir, this applies to estates up to $100,000.
• For all other applicants, the limit is $35,000.

3. Full Administration:

• Estates exceeding these limits require full probate proceedings. You will need to provide "Letters of Authority" signed by a judge appointing you as the executor or administrator.

Information for Businesses (Holders)

Businesses play a critical role in this ecosystem. If your company holds uncashed checks, dormant customer accounts, or credit balances, you are legally defined as a "Holder."

• Reporting Deadline: Most businesses must report and remit funds by November 1st of each year. Life insurance companies have a deadline of May 1st.
• Dormancy Triggers: You cannot simply keep the money. Funds become "unclaimed" after specific periods of inactivity:
• 1 Year: Payroll checks, commissions, utility deposits.
• 3 Years: Life insurance policies.
• 5 Years: Savings accounts, checking accounts, and securities.
• Due Diligence: Before sending the money to the state, you must send a notice to the owner's last known address for any account valued at $50 or more.

Protection Against Scams

The urgency of the new 10-year deadline has unfortunately created opportunities for fraudsters. Be vigilant against predatory tactics.

• The Finder's Fee Cap: Private "finders" are legal but strictly regulated. They cannot charge more than 10% of the recovered amount. If someone demands 30% or 50% of your money, it is likely a scam or an illegal contract.
• Upfront Fees: You should never pay a fee before receiving your money. Legitimate finders work on a contingency basis.
• IRS Refunds: The state does not hold federal tax refunds. For those, you must contact the(https://www.irs.gov/refunds). Note that federal refunds generally expire after just three years, unlike the 10-year state window.

By staying informed and acting quickly, Ohioans can secure their financial assets before they are permanently redirected to state funding.

Frequently Asked Questions

Locating unclaimed money Maryland residents have lost or forgotten is a straightforward process overseen by the Office of the Comptroller. As of early 2026, the state safeguards approximately $2.65 billion in dormant assets, ranging from uncashed payroll checks to inactive savings accounts. The state acts as a perpetual custodian, meaning there is no statute of limitations on your right to file a claim and recover your funds.

Key Takeaways

• Massive Inventory: The Maryland Comptroller holds over $2.65 billion in lost assets for millions of owners.
• New Technology: The "KAPS" system, fully implemented in late 2025, allows for end-to-end digital claims and real-time status tracking.
• Automatic Payments: The "Quick Pay" initiative automatically sends checks for verified claims under $5,000 without requiring an application.
• Dormancy Rules: Most financial accounts are considered abandoned after 3 years of inactivity.
• Always Free: Searching the official state database is 100% free; you should never pay a fee to access your own money.

The Role of the State Comptroller

The Comptroller of Maryland serves as the chief fiscal officer responsible for the Unclaimed Property Division. This division collects assets from businesses (referred to as "holders") that have lost contact with owners for a statutory period. The primary goal is reunification, returning these assets to their rightful owners or heirs.

Recent modernization efforts have significantly improved this service. Under the leadership of Comptroller Brooke E. Lierman, the division transitioned from an outdated mainframe to a cloud-based infrastructure. This shift ensures greater transparency, security, and speed for all claimants.

Modern Recovery: The KAPS System

In October 2025, Maryland launched the Kelmar Abandoned Property System (KAPS). This digital overhaul addresses previous inefficiencies where claims could take months to process. The system integrates directly with the(https://onestop.md.gov/), creating a seamless user experience.

Benefits of the New Platform

• Digital Uploads: Claimants can now upload high-resolution documents (PDF, JPG, PNG) directly, eliminating the need for mail-in paper forms.
• 24/7 Tracking: You can view the real-time status of your claim, from "Received" to "Approved for Payment."
• Enhanced Security: The platform meets rigorous government data security standards to protect sensitive personal information like Social Security numbers.

The "Quick Pay" Initiative

A standout feature of the modernization is the "Quick Pay" program. By cross-referencing tax data with unclaimed property reports, the system identifies owners of property valued under $5,000. If the system verifies your identity and current address with high confidence, it automatically mails you a check, removing the need for you to file a claim at all.

How to Locate Your Property

Searching for your assets involves checking both state and national databases. Since property is reported to the state of your last known address, you may have funds in other jurisdictions if you have moved.

Official State Search

Start your search at the Maryland Comptroller’s official portal. Enter your last name and first name to query the database.

• Search Tip: Try searching for common misspellings of your name.
• Maiden Names: Ensure you check under previous names or aliases.

National Database Search

Maryland participates in the national clearinghouse endorsed by the National Association of Unclaimed Property Administrators (NAUPA). You should perform a free multi-state search on MissingMoney.com to find assets held in other states where you have lived or done business.

The Claiming Process

Once you identify a potential asset, you must prove your right to claim it. The burden of proof prevents fraud and ensures assets go to the correct individual.

Documentation Requirements

For standard claims, you will generally need to provide:

1. Photo ID: A valid driver’s license or state-issued ID card.
2. Proof of SSN: A Social Security card or a tax document (like a W-2) displaying your number.
3. Proof of Address: If the property is linked to an old address, you may need a document linking you to that location, such as an old utility bill or credit report page.

Business Claims

If you are claiming funds on behalf of a business, you must demonstrate your authority. Required documents typically include proof of the Federal Employer Identification Number (FEIN) and evidence of your role as an authorized officer.

Heirs and Estate Claims

Recovering assets for a deceased relative is more complex and intersects with Maryland estate law. The claimant is technically the estate, not the individual heir.

Small Estate Thresholds

The size of the estate determines the probate process. As of 2026, a "Small Estate" in Maryland is defined as having a value of $50,000 or less. However, if the surviving spouse is the sole heir, this limit increases to $100,000.

• Impact of Unclaimed Funds: Discovering a large unclaimed account can push an estate over these thresholds, potentially requiring it to be reopened as a "Regular Estate."

Required Estate Documents

To file a claim for a decedent, prepare the following:

• Death Certificate: A certified copy.
• Letters of Administration: Issued by the Register of Wills, appointing you as the Personal Representative.
• Estate Tax ID: The estate's separate EIN (not the decedent's SSN).

Understanding Dormancy Periods

"Dormancy" refers to the period of inactivity required before a business must transfer an asset to the state. The clock usually resets if you generate activity, such as logging into an account or depositing funds.

Consumer Protection and Fraud

The promise of "free money" makes this sector a target for scammers. Be vigilant against fraudulent schemes that mimic official state communications.

Red Flags to Watch For

• Demands for Payment: The Comptroller will never ask you to pay a fee to claim your property.
• Urgency: Scammers often threaten that the money will "disappear" if you don't act immediately.
• Unusual Payment Methods: Requests for wire transfers, gift cards, or cryptocurrency are immediate signs of fraud.

The "Finder" Industry

Commercial "finders" may contact you offering to recover your funds for a fee, often 10-20% of the value. While legal, these services are unnecessary. You can perform the exact same search and file the claim yourself for free using the state’s tools. Maryland law prohibits finders from contracting with owners within 24 months of the property being turned over to the state, giving you a "cooling-off" period to find it yourself.

Contacting the Unclaimed Property Division

If you encounter issues with the online portal or have complex claim questions, you can contact the division directly.

• Walk-in Office: 7 St. Paul Street, Suite 320, Baltimore, MD 21202.
• Phone: 410-767-1700 or toll-free at 1-800-782-7383.
• Email: unclaim@marylandtaxes.gov

Frequently Asked Questions

Discovering unclaimed money Colorado holds can be a significant financial windfall, yet millions of dollars remain with the state because owners simply don't know where to look. The Great Colorado Payback serves as the vital link between citizens and their forgotten assets. This program manages a custodial system designed to protect wealth until it can be rightfully restored to you.

Key Takeaways

• Perpetual Custody: The state holds lost funds forever; the money never becomes state property, and there is no deadline to file a claim.
• Dormancy Rules: Most assets are presumed abandoned after three years of inactivity, but payroll checks enter the system after just one year.
• New Municipal Rules: As of 2025, House Bill 25-1224 requires local governments to report unclaimed funds to the state, centralizing the search process.
• Heirship Claims: Successors can claim assets of deceased relatives, with simplified "Small Estate" procedures available for estates valued under $86,000 (for deaths in 2025).
• Scam Alert: The Treasury does not send unsolicited text messages demanding payment; these are almost always fraudulent attempts to steal data.

Unclaimed Money Colorado: The Great Colorado Payback Program

The primary mechanism for addressing unclaimed money Colorado is the Great Colorado Payback, a division overseen by the Colorado Department of the Treasury. This program acts as a sophisticated consumer protection operation rather than a simple lost-and-found. Its mandate is to safeguard assets that have slipped through the cracks due to clerical errors, relocation, or forgetfulness.

Colorado operates on a custodial basis, meaning the state acts as a perpetual guardian of these funds. Unlike some jurisdictions where money might eventually revert to the government, Colorado law ensures the state never takes ownership of the principal amount. Whether the funds were lost last year or decades ago, the obligation to return them to the rightful owner remains absolute.

The volume of assets managed by the program is substantial, with the division holding billions of dollars in lost funds. These assets range from small uncashed dividend checks to substantial life insurance policies. The program has successfully returned over $784 million to rightful owners, a figure that continues to grow as outreach improves.

The Legal Framework and Recent Changes

To understand how assets become "lost," one must look at the Revised Uniform Unclaimed Property Act (RUUPA). This statute creates the standardized rules determining when an asset is considered abandoned. Effective July 1, 2020, Colorado adopted these modern standards to align with national practices.

New Municipal Reporting Requirements

A significant legislative update occurred with the passage of House Bill 25-1224. Previously, local governments could opt out of the state system and run their own unclaimed property programs. This exemption was repealed, meaning municipalities must now report and remit unclaimed funds to the(https://treasury.colorado.gov/programs/unclaimed-property).

This change is a major win for consumers. It effectively centralizes the search process, reducing the need to hunt through individual city databases for lost utility deposits or court bonds. Now, the Great Colorado Payback is increasingly the single repository for all unclaimed funds within the state.

Dormancy Periods by Property Type

Dormancy refers to the statutory time an owner takes no action regarding their property. Once this period passes without "customer-initiated contact," the business holding the money must transfer it to the state. The table below outlines the current dormancy periods under Colorado law.

How to Find and Claim Your Property

Locating unclaimed money Colorado is a straightforward process provided by the state. The search is free, and you should avoid third-party services that charge upfront fees for this simple task.

Step 1: Search the Official Database

Start by visiting the official Great Colorado Payback website. Enter your last name or business name to begin. Because data entry errors are common, try searching with variations of your name (e.g., "Smith," "J. Smith," "John Smith").

Step 2: Expand Your Search

If you have lived in other states, you must check their records as well. Colorado participates in MissingMoney.com, a national database endorsed by the National Association of Unclaimed Property Administrators. This allows you to search multiple states simultaneously to ensure you aren't leaving money behind elsewhere.

Step 3: Initiate the Claim

Once you identify a potential match, click "Claim" to add it to your cart. For many standard claims, the system uses automated identity verification. If your Social Security Number and address match public records, your claim may be approved instantly without requiring you to upload documents.

Documentation for Heirs and Businesses

While simple claims are fast, claims for deceased relatives or businesses require more evidence. The state has a fiduciary duty to ensure money is paid only to the correct legal beneficiary.

Claiming for a Deceased Relative

You must prove you have the legal right to inherit the asset. Required documents typically include:

• Death Certificate: A certified copy is mandatory.
• Proof of Identity: Your own government-issued ID.
• Small Estate Affidavit: For estates valued under $86,000 (for deaths occurring in 2025), heirs can often use this form instead of full probate court documents.
• Table of Heirship: If the estate was not probated, you may need to complete a Table of Heirship listing all relatives to determine the proper division of funds.

Claiming for a Business

Business claims require proof that you are authorized to act on behalf of the company. You will generally need to provide:

• Authorization Letter: A letter on company letterhead signed by an officer.
• Federal EIN: Proof of the company’s tax identification number.
• Good Standing: A certificate showing the business is currently active.
• Dissolution Papers: If the business is closed, you must prove you were the shareholder entitled to the remaining assets.

Scams and Fraud Prevention

The promise of free money often attracts scammers. Be vigilant against unsolicited text messages claiming you have "unclaimed property" or "unpaid property taxes." These are frequently phishing attempts designed to steal your personal information.

Red Flags to Watch For:

• Text Messages: The Colorado Department of Revenue and Treasury do not send texts demanding payment or immediate action.
• Upfront Fees: You never have to pay a fee to claim your own money from the state.
• Urgency: Scammers often create a false sense of urgency, claiming the money will "expire" if you don't act now. Remember, the state holds funds in perpetuity.

Safe Deposit Boxes and Tangible Assets

Safe deposit boxes present unique challenges because they involve physical items. When a box is abandoned, the bank drills it and sends the contents to the state. The state holds these items for a period before they are eligible for auction.

If the contents are auctioned, you do not lose the value of the asset. The state deducts the auction costs and credits the net proceeds to your account. You can claim these cash proceeds at any time, even years after the auction has occurred. However, military medals are never sold; they are retained indefinitely or returned to veterans' organizations.

Frequently Asked Questions

Unclaimed money NJ refers to financial assets that have been inactive for a specific period and turned over to the state for safekeeping. The New Jersey Department of the Treasury currently safeguards billions of dollars in lost funds, waiting for rightful owners to step forward. Recovering these assets is a free, secure, and straightforward process if you know where to look.

Key Takeaways

• Record-Breaking Returns: In Fiscal Year 2024, the Unclaimed Property Administration (UPA) returned a historic $261.4 million to residents, surpassing previous records.
• Perpetual Custody: The state never takes ownership of your money; it acts as a custodian, meaning you or your heirs can claim the funds indefinitely.
• Interest Payments: Unlike many other states, New Jersey pays interest on claimed property for the time it was held, which is considered taxable income.
• Beware of Scams: You never need to pay a fee to access your money. Avoid third-party services charging upfront fees and ignore unsolicited text messages claiming you have funds waiting.
• Estate Claims: Retrieving funds for a deceased relative often requires coordination with the County Surrogate’s Court to obtain an Executor Certificate or Affidavit of Next of Kin.

How Unclaimed Property Works

When a business cannot locate a customer or employee after a set amount of time, they cannot simply keep the money. State law mandates that these "dormant" assets be transferred to the New Jersey Unclaimed Property Administration (UPA). This legal process, known as escheatment, ensures that the funds are centralized in a public database rather than absorbed by private corporations.

Common examples of unclaimed property include:

• Forgotten savings and checking accounts.
• Uncashed payroll checks.
• Utility deposits and refunds.
• Life insurance policy payouts.
• Inactive stocks and dividends.

Step-by-Step Search and Recovery

1. Search the Official Database

The safest and most direct way to find your assets is through the official state portal. Entering your name will generate a list of potential matches associated with your current or previous addresses. It is crucial to search for common misspellings of your name and to check for any maiden names if applicable.

2. Check National Records

If you have lived or worked outside of New Jersey, your money might be held in another jurisdiction. The state participates in MissingMoney.com, a national database endorsed by the National Association of Unclaimed Property Administrators (NAUPA). This allows you to search dozens of state records simultaneously to locate cross-border assets.

3. Submit Your Claim

Once you identify property, you can add it to your "claim cart" and submit a request online. Simple claims for small amounts where your current information matches state records are often approved automatically. Larger or more complex claims will require you to upload specific evidence to prove your identity and ownership.

Required Documentation for Verification

To prevent fraud, the UPA requires strict proof before releasing funds. You should be prepared to provide digital copies of the following documents:

• Photo ID: A valid driver’s license, passport, or military ID.
• Social Security Number: A Social Security card or a tax document (like a W-2) displaying the full number.
• Proof of Address: A document connecting you to the address where the lost money was originally reported. This could be an old utility bill, bank statement, or school transcript.

Claiming Funds for Deceased Relatives

A significant portion of unclaimed money belongs to deceased individuals. To claim these funds, you must prove you are the legal heir. This process typically moves through the (https://www.njcourts.gov/courts/civil/new-jersey-surrogates) in the county where the person resided when they died.

The documents required depend on the estate's value and whether a will exists:

• Executor/Administrator Certificate: Required if the estate is being formally probated.
• Affidavit of Surviving Spouse: Used when a husband or wife claims assets from a small estate (under $50,000) without a will.
• Affidavit of Next of Kin: Used for other heirs (children, siblings) for small estates (typically under $20,000), often requiring consent from other heirs.

Dormancy Periods by Asset Type

The "dormancy period" is the time an account must remain inactive before it is sent to the state.

Source: New Jersey Unclaimed Property Statute N.J.S.A. 46:30B

Interest Payments and Tax Implications

New Jersey is unique because it pays interest on the money it holds for you. The interest is calculated from the time the state receives the money until the claim is approved. The interest rate is based on the (https://www.nj.gov/treasury/doinvest/) portfolio returns.

Because this interest counts as new income, it is taxable.

• If you earn more than $10.00 in interest, the state will issue an IRS Form 1099-INT.
• You must report this interest on your federal and state tax returns.
• The return of the original principal amount is generally not taxable, as it is simply a return of your own property.

Protecting Yourself from Scams

The promise of "free money" attracts fraudsters. Be vigilant against scams that try to steal your personal information or charge you for free services.

• No Text Messages: The NJ Treasury Department does not send text messages alerting you to unclaimed funds. Delete these immediately.
• No Fees: You never have to pay a fee to search the database or file a claim.
• Third-Party "Finders": While legal, these companies charge a percentage of your money (often 10-30%) to do work you can easily do yourself for free.

Safe Deposit Boxes and Physical Assets

The UPA also safeguards tangible items from abandoned safe deposit boxes. This can include jewelry, rare coins, and collectibles. These items may eventually be auctioned if they remain unclaimed for an extended period, with the cash proceeds held for the owner.

However, the state has a strict policy regarding military honors. Items such as Purple Hearts and other military decorations are never auctioned. The state retains these indefinitely and actively searches for the veteran or their family to return them.

Frequently Asked Questions

Locating new york unclaimed property is a vital step in managing your personal finances, with over $20 billion currently waiting to be returned to rightful owners. The Office of the State Comptroller (OSC) serves as the permanent custodian for these lost assets, which range from forgotten savings accounts to uncashed insurance checks. Unlike many other states, New York protects these funds indefinitely, ensuring you can claim them at any time. Understanding the rules regarding dormancy and verification is essential for a successful recovery.

Key Takeaways

• Indefinite Protection: The state holds funds in perpetuity; there is no deadline to file a claim.
• Interest Accrual: New York pays 5% simple interest on interest-bearing accounts for the first five years of custodianship.
• Three-Year Dormancy: Most accounts are considered abandoned after just three years of inactivity, which is shorter than the national average.
• Estate Recovery: Heirs can claim funds belonging to deceased relatives using specific Surrogate’s Court procedures or Small Estate Affidavits.
• Free Process: You never need to pay a fee to claim your own money directly from the state.

Understanding State Custodianship

New York operates under a custodial law rather than true escheatment. This means the state never takes actual ownership of your money. Instead, it acts as a "bank of last resort," holding the funds safely until you or your heirs present a valid claim.

This system protects consumers from companies that might otherwise absorb these funds as revenue. When a financial institution loses contact with an owner for a set period, they are legally required to transfer the assets to the(https://www.osc.ny.gov/unclaimed-funds). This centralization makes it easier for residents to find assets from multiple sources in one place.

When Does Money Become "Abandoned"?

The transition from active asset to unclaimed property is triggered by a "dormancy period." In New York, this timeframe is aggressively short compared to other jurisdictions. For most asset classes, if you do not generate activity—such as a deposit, withdrawal, or written correspondence—for three years, the law presumes the asset is abandoned.

Passive actions, like the automatic posting of interest or receiving a statement, do not count as activity. You must take a direct action to reset the clock. If you fail to do so, the bank or company must remit the funds to the state.

Common Sources of Lost Funds

Unclaimed funds can originate from almost any financial transaction. While old bank accounts are common, the fund includes a diverse array of assets.

• Financial Accounts: Savings, checking, and Certificates of Deposit (CDs).
• Insurance: Life insurance death benefits, demutualization proceeds, and annuities.
• Utilities: Unreturned security deposits from gas, electric, or water companies.
• Court Funds: Bail money, class action settlements, and alimony payments.
• Corporate: Uncashed dividend checks, stocks, and mutual funds.

Strategic Search Methods

To effectively locate new york unclaimed property, you must search beyond your current details. Database entries often rely on old information provided by the reporting company years ago.

• Search Variations: Try searching for your name with and without a middle initial, or common misspellings (e.g., "Smyth" vs. "Smith").
• Check Past Addresses: Do not filter strictly by your current zip code. Leave the geographic fields blank to see statewide matches.
• Maiden Names: Ensure you search using all prior legal names if you have married or divorced.
• Cross-Border Searches: If you have lived or worked in other states, check the database maintained by the National Association of Unclaimed Property Administrators.

The Claiming Process Explained

Once you identify a potential asset, the claiming process is designed to be secure and verifiable.

1. Initiate Online: Start by generating a claim form on the OSC website.
2. Verify Identity: You will generally need to upload a government-issued ID (Driver's License or Passport).
3. Proof of Address: This is the most critical step. You must prove you lived at the address reported by the bank. Old utility bills, tax returns, or school records are acceptable.
4. Proof of Ownership: If you cannot prove the address, you may need documents linking you to the asset, such as an old passbook or the original uncashed check.

Recovering Funds for Deceased Owners

A significant portion of the fund belongs to deceased individuals. If you are an heir, the state cannot release funds directly to you without legal authority. You typically need to be the court-appointed executor or administrator.

For smaller amounts (generally under $50,000) where no formal estate was opened, you may use a(https://www.nycourts.gov/courthelp/WhenSomeoneDies/smallEstate.shtml). This allows a surviving spouse or close relative to claim the funds without a lengthy probate process.

Interest and Tax Implications

New York is unique in that it pays interest on recovered funds. Under the Abandoned Property Law, the Comptroller pays 5% simple interest on accounts that were originally interest-bearing.

• Accrual Limit: Interest accrues for the first five years the state holds the money.
• Tax Liability: While the return of your principal is not taxable, the interest paid by the state is considered income.
• Reporting: If the interest exceeds $10, you may receive an IRS Form 1099-INT.

Comparison of Dormancy Periods

The following table outlines how long an account must be inactive before it is transferred to the state.

Avoiding Scams and Finder Fees

Be cautious of third-party "finders" who offer to locate your money for a fee. The state provides this service for free. New York law strictly regulates these investigators to protect consumers.

• Fee Cap: It is illegal for a finder to charge more than 15% of the recovered value.
• Contract Voidance: Any agreement demanding a higher percentage is unenforceable in court.
• Scam Red Flags: The state will never ask for an upfront payment or crypto-currency to release your funds.

By utilizing the official state resources and understanding the documentation required, you can safely and efficiently reclaim what is rightfully yours.

Frequently Asked Questions

The search for naupa unclaimed property begins with understanding how state governments safeguard billions of dollars in forgotten assets. These funds typically originate from dormant bank accounts, uncashed paychecks, and insurance policies that have been separated from their owners. State treasurers hold these assets in protective custody indefinitely until the rightful owner or heir steps forward.

Key Takeaways

• Billions Returned: State programs coordinated by NAUPA returned approximately $4.49 billion to owners in Fiscal Year 2024.
• Free Resources: Official searches through state treasuries and the national aggregator are always free of charge.
• Federal Gap: NAUPA databases do not cover federal assets like savings bonds, tax refunds, or failed bank deposits.
• Scam Awareness: legitimate government officials will never demand upfront fees or gift cards to release your funds.
• Indefinite Custody: In most cases, there is no time limit to claim your money; the state holds it in perpetuity.

Navigating the NAUPA Unclaimed Property Ecosystem

The National Association of Unclaimed Property Administrators (NAUPA) serves as the vital link between state programs. While NAUPA itself does not hold the funds, it establishes the standards that allow all 50 states, the District of Columbia, and Puerto Rico to collaborate. This coordination is essential because financial history is often scattered across every state where a person has lived or done business.

Most searches start at the national level. NAUPA endorses a central database that aggregates records from most jurisdictions into a single, searchable index. This eliminates the need to visit dozens of separate websites to check for lost assets.

How to Search and Claim Funds

The primary tool for locating these assets is MissingMoney.com. This database allows users to search 49 states and several provinces simultaneously. It is the only national site officially endorsed by state treasurers and is entirely free to use.

When a search yields a match, the system redirects the user to the official state website holding the funds. From there, the claim process typically follows these steps:

1. Initiate Claim: Select the property and answer initial verification questions.
2. Verify Identity: Upload a copy of a driver’s license or government ID.
3. Proof of Ownership: Provide documents linking you to the address on record, such as an old utility bill or tax document.
4. Receive Funds: Once approved, the state issues a check or direct deposit.

Identifying Different Types of Lost Assets

"Unclaimed property" is a broad legal term covering various intangible assets. Statutes determine a "dormancy period" for each type—the specific time of inactivity required before a business must remit the funds to the state.

• Financial Accounts: Savings and checking accounts generally become dormant after three years of no activity.
• Wages and Compensation: Uncashed payroll checks usually turn over to the state after just one year.
• Insurance Proceeds: Life insurance benefits and annuities are typically reported three years after the funds become payable.
• Tangible Items: Contents of safe deposit boxes are auctioned after the lease expires, but the cash proceeds are held for the owner.

Bridging the Federal Gap

A common misconception is that a single search covers everything. However, the NAUPA system tracks state-held property, while federal agencies maintain separate, non-integrated databases. You must search these federal silos individually to find assets like tax refunds or failed bank deposits.

Comparison of Unclaimed Asset Sources

Protecting Yourself from Fraud

The allure of "found money" makes this sector a target for scammers. Criminals often send phishing emails posing as the "National Association of Unclaimed Property Administrators" or a state treasurer. They may claim a large sum is waiting but require a fee to release it.

Red Flags to Watch For:

• Upfront Fees: You never have to pay money to get your own money back from the state.
• Urgency: Scammers often claim the money will "expire" today if you don't act. In reality, custodial funds are held in perpetuity.
• Unsolicited Texts: Official government notifications are almost always sent via physical mail, not text messages.

If you are contacted by a third-party "finder" offering to locate money for a commission, remember that you can perform the same search yourself for free. Always verify claims by visiting the official state portal directly.

Frequently Asked Questions

Locating oregon unclaimed property is a vital financial step that reconnects individuals with millions of dollars in dormant assets. These funds often include forgotten bank accounts, uncashed payroll checks, and security deposits that companies have remitted to the state for safekeeping. The state acts as a perpetual custodian, ensuring that your rights to these assets never expire.

Key Takeaways

• Perpetual Custody: The state holds assets forever; there is no deadline to file a claim.
• Common School Fund: While held by the state, the principal is safe, but interest earned funds K-12 public education.
• Speedy Processing: Providing a Social Security Number (SSN) can automate verification, potentially issuing checks in as little as two weeks.
• Finder Rules: Third-party finders must be licensed private investigators in Oregon and cannot sign claims for you.
• Estates: Small estate affidavits can be used for assets if the estate's personal property value is under $75,000.

The Role of the Oregon State Treasury

Since July 2021, the (https://www.oregon.gov/treasury) has administered the program. Their primary goal is to safeguard these assets until the rightful owner or heir steps forward. Unlike some other jurisdictions, Oregon does not take ownership of the money; it simply holds it in trust.

While the money sits in the state's custody, it works for the public good. The funds are invested, and the returns are deposited into the Common School Fund. This constitutionally dedicated fund distributes millions of dollars twice a year to support K-12 schools across the state.

Understanding Dormancy Periods

Assets are not sent to the state immediately. They must remain inactive for a specific "dormancy period" before a business is legally required to report them. Knowing these timelines helps you determine when a missing asset might appear in the state's database.

Most general accounts, like savings or checking accounts, have a three-year dormancy period. However, wages and payroll checks are reportable after just one year to ensure workers receive their earnings promptly.

How to Search and Claim

The recovery process is designed to be user-friendly and secure. You can initiate a search for free through the Oregon Unclaimed Property Program website. The system allows you to search by name, business name, or specific property ID.

The Benefit of Providing an SSN

When filing a claim, you may be asked for your Social Security Number. While this is often optional during the initial search, providing it can significantly accelerate the process.

• Automated Verification: The system checks your SSN against tax and identity databases.
• Faster Payment: Verified claims can result in a check issued within two weeks.
• Manual Review: Without an SSN, staff must manually review documents, which can take up to 10 months.

Checks Without Claims

In a proactive effort to return funds, the Treasury operates the "Checks Without Claims" initiative. By cross-referencing internal data, the state identifies verified owners and mails checks directly to them without requiring a formal claim. In October 2025 alone, this initiative returned approximately $3.5 million to Oregonians.

Documentation and Proof of Ownership

To prevent fraud, the state requires specific evidence before releasing funds. You must prove that you are the person named on the account and that you lived at the address associated with the asset.

Commonly required documents include:

1. Photo Identification: A current driver’s license, passport, or military ID.
2. Proof of SSN: A Social Security card or a tax document like a W-2.
3. Proof of Address: An old utility bill, tax return, or credit report linking you to the address where the funds were reported.

Estate and Business Claims

Recovering funds for a deceased relative or a dissolved business involves additional legal steps. The claimant carries the burden of proof to show they are the legal successor to the funds.

Small Estates

For heirs claiming assets of a deceased owner without full probate, Oregon allows the use of a Simple Estate Affidavit. This is applicable if the estate’s personal property value is $75,000 or less and real property is under $200,000. Large unclaimed accounts may push an estate over this limit, requiring full probate administration.

Business Assets

Active businesses must provide their Federal Tax ID (FEIN) and authorization from a corporate officer. If a business has been dissolved, the claim typically falls to the former shareholders, who must present articles of dissolution and distribution schedules.

Third-Party Finders and Fees

You may be contacted by a "Finder" offering to recover your money for a fee. While legitimate finders exist, Oregon law imposes strict regulations to protect consumers. A finder operating in the state must be a licensed private investigator.

Crucially, a finder cannot sign the claim form or receive the payment directly. You must sign the claim yourself, and the state will issue the check to you. The specific statutes governing abandonment and recovery ensure that the owner retains control over the asset throughout the process.

Protecting Yourself from Scams

Be vigilant against fraudulent schemes targeting unclaimed property owners. The Oregon State Treasury will never ask you to pay a fee upfront to release your money.

Watch out for these red flags:

• Urgency: Scammers often claim you must act "immediately" or lose the funds. In reality, the state holds funds in perpetuity.
• Upfront Fees: Requests for credit card numbers or "tax payments" to process a claim are fraudulent.
• Unofficial Emails: Correspondence should always come from an official .gov email address associated with the Treasury.

By utilizing official state resources and understanding the documentation requirements, you can safely and efficiently reclaim what belongs to you.

Frequently Asked Questions

Locating and recovering unclaimed money North Carolina is a straightforward process designed to reunite residents with their lost financial assets. The Department of State Treasurer currently safeguards a custodial fund valued at nearly $1.7 billion. This massive sum includes forgotten payroll checks, abandoned savings accounts, unredeemed life insurance policies, and utility deposits.

State laws ensure these funds are held in perpetuity, meaning you never lose your right to claim them. Whether the money was lost five years ago or fifty, the principal amount remains available to you or your heirs. This guide breaks down the recovery statutes, automated payment systems, and essential steps to claim what is rightfully yours.

Key Takeaways

• No Statute of Limitations: North Carolina acts as a custodian for unclaimed funds forever, allowing owners to file a claim at any time without fear of expiration.
• Automated Checks: The NCCash Match program proactively sends checks for properties valued at $5,000 or less to single owners without requiring a formal claim.
• Fee Protections: State law strictly limits third-party "finder" fees to 20% of the recovered value or $1,000, whichever is less, to prevent predatory practices.
• Educational Impact: Interest earned on the unclaimed property fund is used to provide scholarships and grants for North Carolina public university students.
• Official Sources: The only legitimate, free source for searching and claiming these funds is the state-run portal managed by the Treasurer.

The Purpose of the Escheat Fund

The North Carolina unclaimed property system operates under a legal principle called "escheat." Unlike in the past where kings seized land from those without heirs, modern laws use this power to protect consumer assets. The state acts as a "custodian of last resort" when a business loses contact with a customer.

This system serves a dual purpose. First, it secures your private wealth effectively forever until you return to claim it. The state does not take ownership of the principal cash; it simply holds it for safekeeping. This ensures your property rights are never extinguished by the passage of time.

Second, the system supports public education. While the principal awaits your claim, the interest it generates helps fund the(https://www.ncseaa.edu). This mechanism allows dormant capital to benefit students attending public universities and community colleges across the state.

The NCCash Match Program: Automatic Returns

North Carolina has modernized its approach to asset reunification through the NCCash Match program. This initiative uses data integration to cross-reference holder reports with current state records. If the system can verify your identity and address with high confidence, you may not need to file a claim at all.

Who Qualifies for Automatic Checks:

• Single Owners: The property must be listed under one individual's name, not a joint account or business.
• Value Limit: The total value of the property must be $5,000 or less.
• Data Match: Your name and Social Security number must perfectly match current state agency records.

If you qualify, the(https://www.nctreasurer.gov) sends a notification letter to your current address. A check typically follows within 6 to 8 weeks. This process has successfully returned millions of dollars to residents who didn't even know they had money waiting for them.

How to Search and Claim Manually

For properties valued over $5,000 or complex claims involving heirs, you must file a manual claim. The process is designed to be secure and efficient.

Step 1: Search the Database

Start by visiting the official NCCash search portal. Enter your last name and first name. To narrow down results, include the city where you have lived previously.

• Search Variations: Try searching for nicknames (e.g., "Jim" instead of "James") or common misspellings.
• Check Past Addresses: Companies report funds based on the address they had on file, so check every city where you have resided.
• National Search: If you have lived outside North Carolina, check the National Association of Unclaimed Property Administrators via Unclaimed.org to search other state databases.

Step 2: Initiate the Claim

Once you locate a property, click "Claim" to add it to your cart. The system will ask you to identify your relationship to the owner (e.g., "I am the owner" or "I am an heir").

• Instant Verification: The system attempts to verify your identity electronically using "soft inquiry" technology.
• Fast Track: If your identity is verified instantly, you may be approved without uploading any documents.

Step 3: Submit Documentation

If the system cannot verify you automatically, or if you are claiming for a deceased relative, you must upload specific proofs.

• Identity: A copy of your driver's license or government ID.
• SSN Proof: A document showing your Social Security number (like a tax return or SSN card).
• Address Proof: A document linking you to the address reported by the holder (e.g., old utility bill or credit report).

Dormancy Periods by Asset Type

Assets do not become "unclaimed" immediately. They must sit inactive for a specific timeframe known as the "dormancy period." The table below outlines when different types of property are turned over to the state.

Important Note: The "activity" clock resets whenever you contact the financial institution. Even a simple login to your online banking profile can prevent an account from being flagged as abandoned.

Claiming Funds for Deceased Relatives

A significant portion of the unclaimed fund belongs to deceased residents. To claim these funds, you must prove you are the legal representative of the estate. The Unclaimed Property Division (UPD) cannot decide who the rightful heirs are; that is a matter for the court system.

Required Estate Documents:

1. Certified Death Certificate: Proof that the original owner is deceased.
2. Letters Testamentary/Administration: Court documents appointing you as the Executor or Administrator.
3. Estate Tax ID: An EIN for the estate is often required for interest reporting.
4. Affidavit for Small Estates: For smaller estates, a "Collection by Affidavit" form filed with the Clerk of Court may be accepted in lieu of full probate.

Tangible Property and Safe Deposit Boxes

The state also receives the contents of abandoned safe deposit boxes. When rent goes unpaid, banks drill the boxes and remit the contents to the Treasurer. Unlike cash, the state does not keep physical items like jewelry or coins indefinitely.

State law allows the Treasurer to sell these items at public auction, often utilizing platforms like(https://www.govdeals.com). The proceeds from the sale are then converted to cash and credited to the owner's account. If you claim a safe deposit box years later, you will receive the cash value obtained at auction, not the original physical items.

Avoiding Scams and Predatory Fees

Scammers and aggressive "finders" often target individuals with unclaimed property. Be vigilant and know your rights under North Carolina General Statute § 116B-78.

Red Flags to Watch For:

• Upfront Fees: The state never charges a fee to return your money. Anyone asking for payment before you receive your funds is likely running a scam.
• Urgency: Scammers claim the money will "expire" soon. In reality, North Carolina holds funds in perpetuity.
• Finder Fee Caps: Legitimate finders are strictly regulated. They cannot charge more than 20% of the recovered value or $1,000, whichever is less. Any contract exceeding these limits is void under state law.

Always verify any contact by searching the official state database yourself. You do not need to pay a third party to file a claim that you can file for free in minutes.

Frequently Asked Questions