Unclaimed property dormancy periods by state

A dormancy period is how long property can sit without any contact from its owner before the business holding it must report it as unclaimed and send it to the state. The table gives the periods each state's own law or program states, by type of property, with a footnote to the source for every figure.

On this page

What the states have in common
Dormancy periods, years without owner contact
Sources

What the states have in common

General dormancy for most property: 3 years in 32 programs, 5 years in 21 programs.
Checking and savings accounts: 3 years in 26 programs, 5 years in 25 programs, 2–10 years in 1 program, 5–10 years in 1 program, 3–6 years in 1 program.
Wages and payroll: 1 year in 46 programs, 3 years in 4 programs, 5 years in 2 programs, 2 years in 1 program.
Traveler's checks: 15 years in 51 programs, 3 years in 1 program.
Money orders: 7 years in 35 programs, 5 years in 6 programs, 3 years in 6 programs, 5–7 years in 1 program.

A range such as "1–3" means the state sets different periods for sub-types (for example, uncashed payroll checks and payroll cards); the state's page lists each one. "See rule" means the period depends on the case. A dash means the state's sources we could check give no separate period for that type; it does not mean the type is exempt.

Dormancy periods, years without owner contact

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Dormancy periods by state and property type (years)

Alabama	3¹	3¹	1¹	3¹	3¹	3¹	5¹	15¹	3¹	1¹
Alaska	3²	5²	1²	5^2,3	3²	3²	5–7^2,3	15²	1²	1²
Arizona	3⁴	3⁴	1⁴	3⁴	3⁴	—	3⁴	15⁴	3⁵	2–3^4,6
Arkansas	3⁷	3⁷	1⁷	7⁷	—	—	7⁷	15⁷	5⁷	1⁷
California	3⁸	3⁸	1⁸	3⁸	3⁸	3⁸	7⁸	15⁸	3⁸	3⁸
Colorado	3⁹	5¹¹	1¹¹	3¹¹	—	3–5¹¹	7¹¹	15¹¹	5¹¹	1¹¹
Connecticut	3¹²	3^12,13	1¹²	3¹²	—	—	7¹²	15¹²	5¹²	1¹²
Delaware	5¹⁴	5¹⁴	5¹⁴	3¹⁴	5¹⁴	5¹⁴	5¹⁴	15¹⁴	5¹⁴	5¹⁴
District of Columbia	3¹⁵	3¹⁵	1¹⁵	3¹⁶	3¹⁵	3–5^17,18	7¹⁵	15¹⁵	3¹⁹	1¹⁵
Florida	5²⁰	5²⁰	1²⁰	2–10²⁰	5²⁰	5²¹	7²⁰	15²⁰	3²⁰	1²⁰
Georgia	5²²	5²²	1²²	5²²	—	5²²	7²²	15²²	2²²	5²²
Guam	—	2–10^23,24	1²⁵	3²⁴	3²⁵	5²⁵	—	—	3²⁶	—
Hawaii	5²⁷	5²⁷	1²⁷	5²⁷	See rule²⁷	See rule²⁷	—	15²⁷	5²⁸	1²⁷
Idaho	5²⁹	5³⁰	1^29,30	5³⁰	—	5³⁰	7³⁰	15³⁰	5³⁰	1³⁰
Illinois	3³¹	3³¹	1³¹	3³¹	2³²	—	5³¹	15³¹	5³²	1³¹
Indiana	3³³	3³⁴	1³⁴	3³⁴	—	—	7³⁴	15³⁴	5³⁴	1³⁴
Iowa	3³⁵	3³⁵	1³⁵	3³⁵	3³⁵	5³⁵	7³⁵	15³⁵	3³⁵	1³⁵
Kansas	5³⁶	5³⁶	1³⁶	5^36,37	3³⁶	—	7³⁶	15³⁶	5³⁸	1³⁶
Kentucky	3³⁹	3³⁹	1³⁹	3⁴⁰	3³⁹	3⁴¹	7³⁹	15³⁹	5⁴²	1³⁹
Louisiana	5⁴³	5⁴³	1⁴³	3⁴³	3⁴³	3⁴³	7⁴³	15⁴³	5⁴⁴	1⁴³
Maine	3⁴⁵	3⁴⁵	1⁴⁵	3^46,47	3⁴⁵	1–3^48,49,45	7⁴⁵	15⁴⁵	3⁵⁰	1⁴⁵
Maryland	3⁵¹	3⁵²	3⁵¹	3⁵³	3⁵⁴	—	—	15⁵²	3⁵²	3⁵⁵
Massachusetts	3⁵⁶	3⁵⁷	3⁵⁷	3⁵⁷	—	3⁵⁷	3⁵⁷	15⁵⁷	7⁵⁷	3⁵⁷
Michigan	3⁵⁸	3⁵⁸	1⁵⁸	3⁵⁸	—	3⁵⁸	3⁵⁸	15⁵⁸	3⁵⁸	1⁵⁸
Minnesota	3⁵⁹	3⁵⁹	1⁵⁹	3⁵⁹	3⁵⁹	—	7⁵⁹	15⁵⁹	5⁵⁹	1⁵⁹
Mississippi	5⁶⁰	5⁶⁰	5⁶¹	5⁶²	5⁶⁰	5⁶³	7⁶⁰	15⁶⁰	—	5⁶⁰
Missouri	5⁶⁴	5⁶⁴	3⁶⁴	5⁶⁵	5⁶⁶	—	7⁶⁴	15⁶⁴	5⁶⁷	5⁶⁸
Montana	5⁶⁹	5⁶⁹	1⁶⁹	3^70,71	3⁶⁹	3⁶⁹	7⁶⁹	15⁶⁹	5⁷²	1⁶⁹
Nebraska	5⁷³	5⁷³	1⁷³	5⁷³	5⁷³	3⁷³	7⁷³	15⁷³	3⁷³	3⁷³
Nevada	3⁷⁴	3⁷⁵	1⁷⁵	3⁷⁵	3⁷⁵	3⁷⁵	7⁷⁵	15⁷⁵	3⁷⁵	1⁷⁵
New Hampshire	5⁷⁶	5⁷⁶	1⁷⁶	3⁷⁶	5⁷⁶	5⁷⁷	7⁷⁶	15⁷⁶	5⁷⁶	1⁷⁶
New Jersey	3⁷⁸	3⁷⁸	1⁷⁸	3⁷⁸	3⁷⁸	5⁷⁸	3⁷⁸	3⁷⁸	5⁷⁸	1⁷⁸
New Mexico	5⁷⁹	5⁷⁹	1⁷⁹	5⁷⁹	—	5⁷⁹	7⁷⁹	15⁷⁹	5⁷⁹	1⁷⁹
New York	3⁸⁰	3⁸¹	3⁸¹	3⁸¹	3⁸¹	5⁸²	5⁸²	15⁸²	3⁸¹	2⁸³
North Carolina	5⁸⁴	5–10⁸⁴	1⁸⁴	3⁸⁴	—	3⁸⁵	7⁸⁴	15⁸⁴	2⁸⁴	1⁸⁴
North Dakota	3⁸⁶	5⁸⁶	1⁸⁶	3⁸⁶	3⁸⁶	3⁸⁶	7⁸⁶	15⁸⁶	3⁸⁶	1⁸⁶
Ohio	3⁸⁷	5⁸⁷	1⁸⁷	5⁸⁷	—	—	7⁸⁸	15⁸⁷	3⁸⁷	1⁸⁷
Oklahoma	5⁸⁹	5⁸⁹	1⁸⁹	3⁸⁹	5⁸⁹	5⁹⁰	7⁸⁹	15⁸⁹	5⁸⁹	1⁸⁹
Oregon	3⁹¹	3⁹¹	1⁹¹	3⁹¹	3⁹¹	See rule⁹²	—	15⁹¹	2⁹¹	1⁹¹
Pennsylvania	3⁹³	3⁹³	2⁹³	3⁹³	3⁹³	See rule⁹³	7⁹⁴	15⁹⁴	3⁹³	2–3⁹³
Puerto Rico	5⁹⁵	5⁹⁶	—	—	—	—	—	—	—	—
Rhode Island	3⁹⁷	3–6⁹⁷	1⁹⁷	1–5⁹⁷	—	—	5¹⁰³	15¹⁰³	3⁹⁷	1⁹⁷
South Carolina	5¹⁰⁷	5¹⁰⁷	1¹⁰⁷	3¹⁰⁷	5¹⁰⁷	—	7¹⁰⁷	15¹⁰⁷	5¹⁰⁷	1¹⁰⁷
South Dakota	3¹⁰⁸	3¹⁰⁹	1¹¹⁰	3¹¹¹	3¹¹²	3¹¹³	3¹¹⁴	15¹¹⁴	3¹¹⁵	1¹¹⁶
Tennessee	3¹¹⁷	3¹¹⁷	1¹¹⁷	3¹¹⁷	3¹¹⁷	5¹¹⁷	7¹¹⁷	15¹¹⁷	2¹¹⁷	1¹¹⁷
Texas	3¹¹⁸	3¹¹⁹	1¹¹⁸	3¹¹⁸	3¹²⁰	See rule¹¹⁸	3¹¹⁸	15¹¹⁸	5¹²⁰	1–3^118,120
U.S. Virgin Islands	5¹²¹	5¹²¹	1¹²¹	5¹²¹	3¹²¹	3¹²¹	7¹²¹	15¹²¹	5¹²¹	1¹²¹
Utah	3¹²²	3¹²²	1¹²²	3¹²²	3¹²²	3¹²²	7¹²²	15¹²²	5¹²²	1¹²²
Vermont	3¹²³	3¹²³	1¹²³	3¹²³	3¹²³	3¹²³	7¹²³	15¹²³	5¹²³	1¹²³
Virginia	5¹²⁴	5¹²⁴	1¹²⁴	5¹²⁴	5¹²⁴	5¹²⁴	7¹²⁴	15¹²⁴	5¹²⁴	1¹²⁴
Washington	3¹²⁵	3¹²⁵	1¹²⁵	3¹²⁵	3¹²⁵	3¹²⁵	5¹²⁵	15¹²⁵	5¹²⁵	1¹²⁵
West Virginia	3¹²⁷	5¹²⁷	1¹²⁷	5¹²⁷	3¹²⁷	3¹²⁷	7¹²⁷	15¹²⁷	5¹²⁸	1¹²⁷
Wisconsin	5¹²⁹	5¹²⁹	1¹²⁹	3¹²⁹	—	—	—	15¹²⁹	5¹²⁹	1¹²⁹
Wyoming	5¹³¹	5¹³¹	1¹³¹	3¹³¹	5¹³¹	5¹³¹	7¹³¹	15¹³¹	5¹³¹	1¹³¹

New to this? What unclaimed property is explains dormancy; holders can start with unclaimed property for businesses.

Life insurance covers matured or terminated policies and annuities; demutualization proceeds and other insurance property often have their own periods, listed on each state's page. Holders should read the state's statute or holder manual before filing: periods start from different events (last owner activity, maturity, a returned mailing) depending on the type.

Sources

Footnote numbers point here. Open "Quoted text" for the exact words relied on ("[…]" marks words left out).

Code of Alabama § 35-12-72 Alabama Legislature (ALISON) · alison.legislature.state.al.us · current code as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (10)

(19) All other property, three years after the owner’s right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
(3) A demand, savings, or time deposit including a deposit that is automatically renewable, three years after the earlier of maturity, as extended from time to time, or the date of the last indication by the apparent owner of interest in the property.
(14) Wages or other compensation for personal services, one year after the compensation becomes payable.
(7) Stock or other equity interest in a business association or financial organization, including a security entitlement under Article 8 of Title 7, the Uniform Commercial Code, three years after the earlier of: (i) the date of the most recent dividend, stock split, or other distribution unclaimed by the apparent owner; or (ii) the date of the second mailing of a statement of account or other notification or communication that was returned as undeliverable or after the holder discontinued mailings, notifications, or communications to the apparent owner.
(10) Amount owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, three years after the obligation to pay arose or, in the case of a policy or annuity payable upon proof of death, three years after the insured has attained, or would have attained if living, the limiting age under the mortality table on which the reserve is based.
(17) Gift certificate, other than those exempt under Section 35-12-73, three years after June 30 of the year in which the certificate was sold, but if redeemable in merchandise only, the amount abandoned is deemed to be 60 percent of the certificate’s face value.
(2) Money order, five years after issuance.
(1) Traveler’s checks, 15 years after issuance.
(4) Tangible and intangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder’s business and proceeds resulting from the sale of the property permitted by other law, three years after expiration of the lease or rental period on the box or other depository.
(15) Deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable.
Alaska Statutes AS 34.45, Uniform Unclaimed Property Act Alaska State Legislature (akleg.gov) · akleg.gov · site serves the 2025 statutes (page script year=2025) · checked Nov. 3, 2026

Quoted text (12)

all intangible property, including income or increment derived from the property, less lawful charges, that is held, issued, or owing in the ordinary course of a holder's business and has remained unclaimed by the owner for more than three years after becoming payable or distributable is presumed abandoned.
A demand, savings, or matured time deposit with a banking or financial organization, including a deposit that is automatically renewable, and money paid toward the purchase of a share, a mutual investment certificate, or other intangible property interest in a banking or financial organization is presumed abandoned unless the owner, within the preceding five years, has
Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder's business and that remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
Stock or other equity interest in a business association is presumed abandoned five years after the earliest of the date
Unmatured or unredeemed debt of a business association, other than a bearer bond or an original issue discount bond, is presumed abandoned five years after the date of the most recent interest payment unclaimed by the owner.
Matured or redeemed debt, including bearer bonds and original issue discount bonds, is presumed abandoned five years after the date of maturity or redemption.
Money held or owing under a life or endowment insurance policy or annuity contract that has matured or terminated is presumed abandoned if unclaimed for more than three years after the money became due and payable as established from the records of the insurance company holding or owing the money.
A gift certificate or a credit memo, issued in the ordinary course of an issuer's business, that remains unclaimed by the owner for more than three years after becoming payable or distributable is presumed abandoned.
money payable on a money order or similar written instrument, other than a third-party bank check, that has been outstanding for more than seven years after its issuance is presumed abandoned
money payable on a traveler's check that has been outstanding for more than 15 years after its issuance is presumed abandoned
All tangible and intangible personal property held in a safe deposit box or other safekeeping repository in a financial organization in the state in the ordinary course of the holder's business, and proceeds resulting from the sale of the property permitted by other law, that remain unclaimed by the owner for more than one year after the lease or rental period on the box or other repository has expired, are presumed abandoned.
A deposit, including interest on the deposit, made by a subscriber with a utility to secure payment, or money paid in advance for utility services to be furnished, less lawful deductions, that remains unclaimed by the owner for more than one year after the termination of the services for which the deposit or advance payment was made is presumed abandoned.
Alaska Unclaimed Property Codes and Dormancy Periods Alaska Department of Revenue, Treasury Division · unclaimedproperty.alaska.gov · checked Nov. 3, 2026

Quoted text (2)

SC01 Dividends 5
CK07 Money Orders 5
A.R.S. § 44-302 — Presumptions of abandonment Arizona State Legislature (azleg.gov) · azleg.gov · current statute text as published on azleg.gov (undated page) · checked Nov. 3, 2026

Quoted text (10)

16. All other property is presumed abandoned three years after the owner's rights to demand the property or after the obligation to pay or distribute the property arises, whichever occurs first.
5. Except as otherwise provided in this paragraph, a demand, savings or time deposit, including a deposit that is automatically renewable, and any interest or dividends are presumed abandoned three years after maturity or the date of the last indication by the owner of interest in the property, whichever occurs first.
A certificate of deposit and any interest are presumed abandoned three years after maturity.
12. Wages or other compensation for personal services is presumed abandoned one year after the compensation becomes payable.
3. Any stock or other equity interest in a business association or financial organization, including a security entitlement under title 47, chapter 8, is presumed abandoned three years after any of the following, whichever occurs first:
18. Any dividend, profit, distribution, interest, redemption, payment on principal or other sum held or owing by a business association for or to its shareholder, certificate holder, member, bondholder or other security holder who has not claimed it, or corresponded in writing with the business association concerning it, is presumed abandoned three years after the date prescribed for payment or delivery.
7. An amount owed by an insurance company on a life or endowment insurance policy or an annuity that has matured or terminated is presumed abandoned three years after the obligation to pay arose or, in the case of a policy or annuity that is payable on proof of death, the amount is presumed abandoned one year after the insured has attained, or would have attained if the insured were living, the limiting age under the mortality table on which the reserve is based.
2. A money order or similar written instrument, other than a third-party bank check, is presumed abandoned three years after issuance.
1. A traveler's check is presumed abandoned fifteen years after issuance.
11. Property that is held by a court, government or governmental subdivision, agency or instrumentality, except for support as defined in section 25-500 or for spousal maintenance, is presumed abandoned two years after the property becomes distributable.
A.R.S. § 44-303 — Contents of safe deposit box or other safekeeping depository Arizona State Legislature (azleg.gov) · azleg.gov · current statute text as published on azleg.gov (undated page) · checked Nov. 3, 2026

Quoted text (1)

Tangible property that is held in a safe deposit box or any other safekeeping depository in this state in the ordinary course of the holder's business and the proceeds that result from the sale of the property permitted by law are presumed abandoned if the property remains unclaimed by the owner for more than three years after the expiration of the lease or rental period on the box or other depository.
NAUPA State-by-State Reporting Resource — Arizona National Association of Unclaimed Property Administrators (unclaimed.org) · unclaimed.org · checked Nov. 3, 2026

Quoted text (1)

Utility Refunds: 3
Holder Seminar Sept. 2025 Session 1 – Review of Arkansas statute regarding presumptions of abandonment Arkansas Auditor of State · auditor.ar.gov · September 2025 · checked Nov. 3, 2026

Quoted text (8)

(14) All other property, three (3) years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs;
(5) A demand, savings, or time deposit, including a deposit that is automatically renewable, three (3) years after the earlier of maturity or the date of the last indication by the owner of interest in the property;
(11) Wages or other compensation for personal services, one (1) year after the compensation becomes payable;
(3) Stock or other equity interest in a business association or financial organization, including a security entitlement under the Uniform Commercial Code -- Investment Securities, § 4-8-101 et seq., seven (7) years after the earlier of:
(2) Money order, seven (7) years after issuance;
(1) Traveler's check, fifteen (15) years after issuance;
Tangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, are presumed abandoned if the property remains unclaimed by the owner for more than five (5) years after expiration of the lease or rental period on the box or other depository.
(12) Deposit or refund owed to a subscriber by a utility, one (1) year after the deposit or refund becomes payable;
Dormancy Periods for Most Frequently Reported Unclaimed Property Type (PDF) California State Controller's Office · sco.ca.gov · Rev. 07/2023 · checked Nov. 3, 2026

Quoted text (12)

Other Tangible and Intangible Property 3 CCP 1520
Demand Deposits (Checking) 3 CCP 1513 (a)(b)
Savings 3 CCP 1513 (a)(b)
Matured Time Deposits (CD’s) 3 CCP 1513 (a)(b)
Wages or Salaries 1 CCP 1513 (g)
Stocks and Bonds 3 CCP 1516
Dividends 3 CCP 1516
Life Insurance Funds 3 CCP 1515
Gift Certificates With Expiration 3 CCP 1520
Money Orders 7 CCP 1513 (e)
Traveler’s Checks 15 CCP 1513 (c)
Safe-Deposit Boxes 3 CCP 1514
FAQs – Reporting Property Colorado Department of the Treasury · unclaimedproperty.colorado.gov · checked Nov. 3, 2026

Quoted text (1)

Generally, the dormancy period is 3 years from the date of last customer-initiated contact. The dormancy period for payroll, wages, and salary checks is 1 year.
Senate Bill 19-088 (Revised Uniform Unclaimed Property Act), as linked by the program Colorado General Assembly (hosted by Colorado Department of the Treasury) · unclaimedproperty.colorado.gov · 2019 act · checked Nov. 3, 2026

Quoted text (1)

(m) ALL OTHER PROPERTY NOT SPECIFIED IN THIS SECTION OR SECTIONS 38-13-202 TO 38-13-208 AND 38-13-213 TO 38-13-220, THE EARLIER OF THREE YEARS AFTER THE OWNER FIRST HAS A RIGHT TO DEMAND THE PROPERTY OR THE OBLIGATION TO PAY OR DISTRIBUTE THE PROPERTY ARISES.
Colorado Revised Statutes 2024, Title 38 (Article 13 extract) Colorado General Assembly, Office of Legislative Legal Services · content.leg.colorado.gov · archived copy, captured Sept. 26, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (9)

(1) Any demand, savings, or matured time deposit with a financial organization, including a deposit that is automatically renewable, and any funds paid toward the purchase of a share, a mutual investment certificate, or any other interest in a financial organization is presumed abandoned unless the owner, within five years, has:
(k) Wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one year after the amount becomes payable;
(1) Subject to section 38-13-210, a security is presumed abandoned three years after:
Subject to section 38-13-210, a gift card is presumed abandoned if it is unclaimed by the apparent owner five years after the later of the date of purchase or its most recent use.
the net value of a stored-value card other than a gift card is presumed abandoned on the latest of three years after:
(b) A money order, seven years after issuance;
(a) A traveler's check, fifteen years after issuance;
(1) Tangible property held in a safe-deposit box and proceeds from a sale of the property by the holder permitted by law of this state other than this article 13 are presumed abandoned if the property remains unclaimed by the apparent owner five years after the earlier of the:
(l) Except as otherwise provided for unclaimed utility deposits under section 40-8.5-106, a deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable; and
Connecticut General Statutes, Chapter 32 (Treasurer), Part III Escheats, secs. 3-56a to 3-76 Connecticut General Assembly · cga.ct.gov · General Statutes revised to January 1, 2025 · checked Nov. 3, 2026

Quoted text (8)

All property not otherwise provided for or excluded from this part, including any income, interest or other increment thereto and deducting any lawful charges, which is held or owing in this state and has remained unclaimed by the owner for more than three years after it became due, payable or distributable, is presumed abandoned.
(1) Any demand or savings deposit made in this state with a banking organization, together with any interest or dividend thereon, excluding any charges that lawfully may be withheld, unless the owner has, within three years: (A) Increased or decreased the amount of the deposit, or presented the passbook or other similar evidence of the deposit for the crediting of interest; or (B) corresponded in writing with the banking organization concerning the deposit; or (C) otherwise indicated an interest in the deposit as evidenced by (i) a memorandum on file with the banking organization or (ii) the fact that the Internal Revenue Service Form 1099 sent from the banking organization to the owner is not returned to the banking organization by the United States Postal Service.
Except for wages collected by the Labor Commissioner pursuant to subsection (b) of section 31-68, any sum payable for wages, salary or other compensation for personal services that has remained unclaimed by the owner for more than one year after it becomes due, payable or distributable, is presumed abandoned.
(a) Any stock or other certificate of ownership, or any dividend, profit, distribution, interest, payment on principal, mineral proceeds or other sum held or owing by a business association for or to a shareholder, certificate holder, member, bondholder or other security holder, or a participating patron of a cooperative, who has not claimed it or corresponded in writing with the business association concerning it within three years after the date prescribed for payment or delivery, is presumed abandoned.
(c) Any sum payable on a money order issued or sold in this state on which a business association is directly liable, which money order has been outstanding for more than seven years from the date of its issuance, is presumed abandoned.
(b) Any sum payable on a traveler's check issued or sold in this state on which a business association is directly liable, which has been outstanding for more than fifteen years from the date of its issuance is presumed abandoned, unless the owner has within fifteen years corresponded in writing with the business association concerning it, or otherwise indicated an interest as evidenced by a memorandum on file with such business association.
(5) Any funds or other personal property reposing in or removed from a safe deposit box or any other safekeeping repository in this state on which the lease or rental period has expired owing to nonpayment of rent or other reason, which have been unclaimed by the owner for more than five years from the date on which the lease or rental period expired.
Any deposit, refund or other sum owed to a customer or subscriber by a utility that has remained unclaimed by the customer or subscriber for more than one year after it becomes due, payable or distributable is presumed abandoned.
FAQs: Holder Reporting Connecticut Office of the Treasurer, Unclaimed Property Division · ctbiglist.gov · Revised: June 2025 · checked Nov. 3, 2026

Quoted text (1)

Certificates of Deposit are considered unclaimed after 3 years of dormancy.
Delaware Code Title 12, Chapter 11, Subchapter II. Unclaimed Property (§§ 1130-1191) Delaware General Assembly / Delaware Code Online · delcode.delaware.gov · current Delaware Code Online text (latest session law cited: 84 Del. Laws c. 368, 2024) · checked Nov. 3, 2026

Quoted text (10)

(17) All other property not specified in this section or § 1134 of this title, the earlier of 5 years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
(5) A demand, savings, or time deposit, including a deposit that is automatically renewable, 5 years after the earlier of maturity or the date of the last indication of interest in the property by the owner, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the owner consented in a record on file with the holder to a renewal at or about the time of the renewal.
(11) Wages, including commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, 5 years after the amount becomes payable.
(13) A security 3 years after the last indication of interest in the property.
1. Five years after knowledge of death of the insured.
(14) A stored-value card or gift card, 5 years after the later of the date of purchase, the addition of funds to the stored-value card or gift card, a verification of the balance by the owner, or the last indication of interest in the property.
(2) A money order, 5 years after issuance.
(1) A traveler’s check, 15 years after issuance.
Proceeds from a sale of tangible property held in a safe deposit box by the holder permitted by law of this State other than this chapter are presumed abandoned if the property remains unclaimed by the owner 5 years after the earlier of 1 of the following:
(12) A deposit or refund owed to a subscriber by a utility, 5 years after the deposit or refund becomes payable.
D.C. Code § 41–152.01. When property is presumed abandoned. Council of the District of Columbia (D.C. Law Library) · code.dccouncil.gov · current as published on code.dccouncil.gov, Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (7)

(13) Property not specified in this section or §§ 41-152.02 through § 41-152.08, the earlier of 3 years after the owner first has a right to demand the property and 3 years after the obligation to pay or distribute the property arises.
(5) A payroll card or demand, savings, or time deposit, including a deposit that is automatically renewable, 3 years after the maturity of the deposit
(11) Wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one year after the amount becomes payable;
(7) An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, 3 years after the obligation to pay arose
(2) A money order, 7 years after issuance;
(1) A traveler's check, 15 years after issuance;
(12) A deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable; and
D.C. Code § 41–152.08. When security presumed abandoned. Council of the District of Columbia (D.C. Law Library) · code.dccouncil.gov · current as published on code.dccouncil.gov, Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Subject to § 41-152.10, a security is presumed abandoned 3 years after:
D.C. Code § 41–152.06. When stored-value card presumed abandoned. Council of the District of Columbia (D.C. Law Library) · code.dccouncil.gov · current as published on code.dccouncil.gov, Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Subject to § 41-152.10, the net card value of a stored-value card, other than a payroll card or a gift card, is presumed abandoned on the latest of 3 years after:
D.C. Code § 41–152.07. When gift card presumed abandoned. Council of the District of Columbia (D.C. Law Library) · code.dccouncil.gov · current as published on code.dccouncil.gov, Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

Subject to § 41-152.10, a gift card is presumed abandoned if it is unclaimed by the apparent owner 5 years after the later of the date of purchase or its most recent use.
D.C. Code § 41–152.05. When contents of safe-deposit box presumed abandoned. Council of the District of Columbia (D.C. Law Library) · code.dccouncil.gov · current as published on code.dccouncil.gov, Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

are presumed abandoned if the property remains unclaimed by the apparent owner 3 years after the earlier of the:
Chapter 717, Florida Statutes (2026), Florida Disposition of Abandoned Personal Property Act The Florida Legislature · leg.state.fl.us · 2026 Florida Statutes · checked Nov. 3, 2026

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Unless otherwise specified by law, the dormancy period is 5 years from the date the property becomes payable or distributable.
(1) Any demand, savings, or matured time deposit with a banking or financial organization, including deposits that are automatically renewable, and any funds paid toward the purchase of shares, a mutual investment certificate, or any other interest in a banking or financial organization is presumed abandoned unless the apparent owner or authorized representative has, within 5 years, engaged in any of the following activities:
717.115 Wages.—Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder’s business that have not been claimed by the apparent owner for more than 1 year after becoming payable are presumed abandoned.
1. Three years after the date a communication, other than communications required by s. 717.117, sent by the holder by first-class United States mail to the apparent owner is returned to the holder undelivered by the United States Postal Service.
2. Five years after the most recent of any account activity or communication initiated by the apparent owner or authorized representative which demonstrates continued interest in the account, as recorded and maintained by the holder.
3. Two years after the date of the death of the apparent owner, as evidenced by:
1. Ten years after the owner’s most recent indication of interest in the property; or
(4) Any dividend, profit, distribution, interest redemption, payment on principal, or other sum held or owing by a business association for or to a shareholder, certificateholder, member, bondholder, or other security holder, who has not claimed such amount or corresponded in writing with the business association concerning such amount, within 5 years after the date prescribed for payment or delivery, is presumed abandoned.
Funds held or owing under any life or endowment insurance policy or annuity contract which has matured or terminated are presumed abandoned if unclaimed for more than 5 years after the date of death of the insured, the annuitant, or the retained asset account holder, but property described in paragraph (3)(d) is presumed abandoned if such property is not claimed for more than 2 years.
(2) Subject to subsection (4), any sum payable on a money order or similar written instrument, other than a third party bank check, that has been outstanding for more than 7 years after its issuance is presumed abandoned unless the apparent owner or authorized representative, within 7 years, has demonstrated a continued interest in the property in accordance with s. 717.102.
(1) Subject to subsection (4), any sum payable on a traveler’s check that has been outstanding for more than 15 years after its issuance is presumed abandoned unless the apparent owner or authorized representative, within 15 years, has demonstrated a continued interest in the property in accordance with s. 717.102.
717.116 Contents of safe-deposit box or other safekeeping repository.—All tangible and intangible property held by a banking or financial organization in a safe-deposit box or any other safekeeping repository in this state in the ordinary course of the holder’s business, and proceeds resulting from the sale of the property permitted by law, that has not been claimed by the apparent owner or authorized representative for more than 3 years after the lease or rental period on the box or other repository has expired are presumed abandoned.
717.108 Deposits held by utilities.—Any deposit, including any interest thereon, made by a subscriber with a utility to secure payment or any sum paid in advance for utility services to be furnished, less any lawful charges, that remains unclaimed by the apparent owner for more than 1 year after termination of the services for which the deposit or advance payment was made is presumed abandoned.
Reporting Instructions Manual, Form DFS-P1-0001 Florida Department of Financial Services · myfloridacfo.com · revised 08/25 · checked Nov. 3, 2026

Quoted text (1)

Gift Certificates/Cards 5 MS12 717.1045(4)
State of Georgia Unclaimed Property Annual Filing Report, Report Year 2026 (holder booklet) Georgia Department of Revenue · dor.georgia.gov · cover dated 05/2025; Report Year 2026 · checked Nov. 3, 2026

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ZZZZ Properties Not Identified Above 5
AC01 Checking Account s 5 AC02 Savings Accounts 5
AC03 Matured CD or Savings Certificates 5
MS 01 Wages, Payroll, Salary 1
SC01 Dividends 5
MS 12 Unredeemed Gift Certificates 5
CK07 Money Orders 7
CK08 Traveler’s Checks 15
SD01 Safe Deposit Box Contents 2
UT01 Utility Deposits 5
11 GCA Chapter 106, Banks (incl. § 106119 Dormant and Inactive Accounts and Unclaimed Funds) Compiler of Laws, Judiciary of Guam · col.guamcourts.gov · COL April 22, 2025 · checked Nov. 3, 2026

Quoted text (2)

(a) Savings Account. In the event there has been no activity of deposits or withdrawals, and no contact has been made by the account holder of a savings account with the bank for ten (10) years, a bank shall transfer the balance of such account to the Treasurer of Guam for the account of the depositor.
(c) In the event a check account is inactive for 2 years and the depositor cannot be located, a bank shall transfer the balance of such account to the Treasurer of Guam for the account of the depositor.
11 GCA Chapter 127, Miscellaneous Provisions Affecting Investors (§§ 127114-127116) Compiler of Laws, Judiciary of Guam · col.guamcourts.gov · COL 4/12/2017 · checked Nov. 3, 2026

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(b) In the event an account subject to a negotiable order of withdrawal or a check account is inactive for two (2) years and the depositor cannot be located, an association shall transfer the balance of such account to the Treasurer of Guam for the account of the depositor.
(b) Any dividend, profit, distribution, interest, payment on principal, or other sum held or owing by a business association for or to its shareholder, certificate holder, member, bondholder, or other security holder, or a participating patron of a cooperative, where there has been no owner-generated activity on the account or property or written communication from the owner of the property, within three (3) years after the date prescribed for payment or delivery, shall transfer to the Treasurer of Guam.
(1) the interest in the association is owned by a person who for more than three (3) years has neither claimed a dividend or other sum referred to in Subsection (b) nor corresponded in writing with the association or otherwise indicated an interest as evidenced by a memorandum or other record on file with the association; and
Reporting Guidelines for Holders of Unclaimed Property Government of Guam, Department of Administration – Treasurer of Guam · doa.guam.gov · v. 03/2023 (file dated March 30, 2023) · checked Nov. 3, 2026

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One Year Commissions; Ordered Refunds; Wages
Three Years Cashier’s Checks; Unidentified Deposits, Demand Deposits (checking); Dividends; Interest; IRAs & Retirement Plans; Life Insurance Benefits, Escrow Accounts, Matured Time Deposits; Safe Deposit Boxes; Safekeeping Repositories; Stocks and Bonds; Written Instruments (uncashed checks); Loan Payments and Other Tangible and Intangible Property.
Five Years Gift Certificates; Credit Memos
Due Diligence Guidelines for Holders of Unclaimed Property Government of Guam, Department of Administration – Treasurer of Guam · doa.guam.gov · v. 3/2023 · checked Nov. 3, 2026

Quoted text (1)

Specify that the law requires businesses to transfer safe deposit boxes or other safekeeping repositories to the Controller if they remain unclaimed for more than three years.
HRS 523A-3 Presumptions of abandonment Hawaii State Legislature (Hawaii Revised Statutes, capitol.hawaii.gov) · capitol.hawaii.gov · archived copy, captured Dec. 10, 2023 (view capture) · checked Nov. 3, 2026

Quoted text (8)

(15) All other property, five years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
(5) A demand, savings, or time deposit, including a deposit that is automatically renewable, five years after the earlier of maturity or the date of the last indication by the owner of interest in the property;
(12) Wages or other compensation for personal services, one year after the compensation becomes payable;
(3) Stock or other equity interest in a business association or financial organization, including a security entitlement under article 8 of the Uniform Commercial Code – Investment Securities, five years after the earlier of: (A) The date of the most recent dividend, stock split, or other distribution unclaimed by the apparent owner; or (B) The date of the second mailing of a statement of account or other notification or communication that was returned as undeliverable or after the holder discontinued mailings, notifications, or communications to the apparent owner; (4) Debt of a business association or financial organization, other than a bearer bond or an original issue discount bond, five years after the date of the most recent interest payment unclaimed by the apparent owner;
(8) Amount owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, five years after the obligation to pay arose or, in the case of a policy or annuity payable upon proof of death, three years after the insured has attained, or would have attained if living, the limiting age under the mortality table on which the reserve is based;
(14) Property in an individual retirement account, defined benefit plan, or other account or plan that is qualified for tax deferral under the income tax laws of the United States, three years after the earliest of the date of the distribution or attempted distribution of the property, the date of the required distribution as stated in the plan or trust agreement governing the plan, or the date, if determinable by the holder, specified in the income tax laws of the United States by which distribution of the property shall begin to avoid a tax penalty; and
(1) Traveler's check, fifteen years after issuance;
(13) Deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
HRS 523A-4 Contents of safe deposit box or other safekeeping depository Hawaii State Legislature (Hawaii Revised Statutes, capitol.hawaii.gov) · capitol.hawaii.gov · archived copy, captured Feb. 17, 2025 (view capture) · checked Nov. 3, 2026

Quoted text (1)

Tangible property held in a safe deposit box or other safekeeping depository in this State in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, shall be presumed abandoned if the property remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
FAQ: General Idaho State Treasurer's Office, Unclaimed Property Division · yourmoney.idaho.gov · checked Nov. 3, 2026

Quoted text (2)

Most property is considered abandoned if it has been inactive for five years.
Wages and utility deposits become unclaimed after only one year.
FY 2027 Idaho Holder Reporting Manual Idaho State Treasurer's Office, Unclaimed Property Division · yourmoney.idaho.gov · FY 2027 (as titled) · checked Nov. 3, 2026

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Finanical Institution Accounts (5 Years)
MS01 Wages, Payroll, Salary (1)
Securities (5 Years)
MS12 Unredeemed Gift Certificates *Does not include certificates for merchandise or in-store credit (5)
CK07 Money Orders (7)
CK08 Traveler’s Checks (15)
Safe Deposit Boxes and Safekeeping (5 Years)
UT01 Utility Deposits (1)
Instructions for Filing the Annual Report of Unclaimed Property (Cash and Securities) Illinois State Treasurer · icash.illinoistreasurer.gov · checked Nov. 3, 2026

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The Illinois Revised Uniform Unclaimed Property Act (765 ILCS 1026) requires the reporting of all intangible personal property (and any earnings thereon) which have remained unclaimed by the owner for three (3) years and is presumed abandoned for most property types.
AC01 Checking Accounts 3
AC03 Matured CD or Savings Certificate 3*
MS01 Wages, Payroll, Salary 1
SC01 Dividends 3
CK07 Money Orders 5
CK08 Traveler’s Checks 15
UT01 Utility Deposits 1
74 Ill. Adm. Code 760 - Revised Uniform Unclaimed Property Act rules (PDF posted by the Treasurer) Illinois State Treasurer · icash.illinoistreasurer.gov · rules as amended at 46 Ill. Reg. 16898, effective Sept. 26, 2022 · checked Nov. 3, 2026

Quoted text (2)

If the apparent owner as listed in the records of the holder is deceased and the abandonment period for the owner's property is greater than 2 years, then the property, shall instead be presumed abandoned 2 years from the date of the owner's last indication of interest in the property.
Safe deposit boxes with contents that have remained unclaimed for 5 years after expiration of the lease or rental period are presumed abandoned.
Indiana Unclaimed Property Holder Reporting Manual Office of the Indiana Attorney General, Unclaimed Property Division · indianaunclaimed.gov · Updated 8/6/2024 · checked Nov. 3, 2026

Quoted text (1)

The type of property determines the abandonment period; however, most types of property in Indiana are considered abandoned after three (3) years.
NAUPA Codes, Dormancy Periods (Effective Report Year 2023) Office of the Indiana Attorney General, Unclaimed Property Division · indianaunclaimed.gov · Updated 3/17/2023 · checked Nov. 3, 2026

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ACO1 Checking Accounts 3
AC02 Savings Account 3
AC03 Matured CD & Savings Certificate 3
MS01 Wages, Payroll 1
SC01 Dividends 3
CK07 Money Orders 7
CK08 Travelers Checks 15
SD01 Safe Deposit Box Contents 5
UT01 Utility Deposits 1
Iowa Code 2026, Chapter 556 – Disposition of Unclaimed Property Iowa Legislature · legis.iowa.gov · Iowa Code 2026 (PDF generated Dec. 9, 2025) · checked Nov. 3, 2026

Quoted text (10)

that is held or owing in this state in the ordinary course of the holder’s business and has remained unclaimed by the owner for more than three years after it became payable or distributable is presumed abandoned.
Any demand, savings, or matured time deposit made in this state with a banking organization, together with any interest or dividend, excluding any charges that may lawfully be withheld, unless the owner has, within three years:
Unpaid wages, including wages represented by payroll checks or other compensation for personal services owing in the ordinary course of the holder’s business that remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
The interest in the association is owned by a person who for more than three years has neither claimed a dividend, distribution, nor other sum payable as a result of the interest
means all moneys held and owing by any life insurance corporation unclaimed and unpaid for more than three years after the moneys became due and payable
funds represented by a gift certificate balance that has not been presented within five years from the date of issuance of the gift certificate are presumed abandoned.
any sum payable on a money order that has been outstanding for more than seven years after its issuance is deemed abandoned
Subject to subsection 4, any sum payable on a traveler’s check that has been outstanding for more than fifteen years after its issuance is deemed abandoned
that have been unclaimed by the owner for more than three years from the date on which the lease or rental period expired.
that has remained unclaimed by the person appearing on the records of the utility entitled to the deposit for more than one year after the termination of the services for which the deposit or advance payment was made.
K.S.A. 58-3935. Property presumed abandoned; when; general rule Kansas Office of Revisor of Statutes · ksrevisor.gov · K.S.A. current as published Nov. 3, 2026; last amended L. 2007 · checked Nov. 3, 2026

Quoted text (8)

(16) all other property, five years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs; and
(5) a demand, savings or time deposit, including a deposit that is automatically renewable, five years after the earlier of maturity or the date of the last indication by the owner of interest in the property,
(11) wages or other compensation for personal services, one year after the compensation becomes payable;
(3) except as provided in K.S.A. 58-3943 , and amendments thereto, stock or other equity interest in a business association or financial organization, including a security entitlement under article 8 of the uniform commercial code, five years after the earlier of:
(7) amount owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, three years after the obligation to pay arose
(2) money order, seven years after issuance;
(1) Traveler's check, 15 years after its issuance;
(12) deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
Dormancy Periods for Most Frequently Reported Types of Property Kansas State Treasurer · missingmoney.ks.gov · checked Nov. 3, 2026

Quoted text (1)

Dividends 5 KSA 58-3935 (16)
K.S.A. 58-3949. Contents of safe deposit box Kansas Office of Revisor of Statutes · ksrevisor.gov · K.S.A. current as published Nov. 3, 2026; last amended L. 1999 · checked Nov. 3, 2026

Quoted text (1)

Tangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law are presumed abandoned if the property remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
KRS 393A.040 When property presumed abandoned. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 1, 2025 · checked Nov. 3, 2026

Quoted text (7)

Property not specified in KRS 393A.050, 393A.060, 393A.070, 393A.080, 393A.090, or 393A.100, the earlier of three (3) years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
A payroll card or demand, savings, or time deposit account, including a deposit that is automatically renewable, three (3) years after the maturity of the deposit, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal, except:
Wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one (1) year after the amount becomes payable;
An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three (3) years after the obligation to pay arose under the terms of the policy or contract or, if a policy or contract for which an amount is owed on proof of death has not matured by proof of the death of the insured or annuitant, as follows:
A money order, seven (7) years after issuance;
A traveler's check, fifteen (15) years after issuance;
A deposit or refund owed to a subscriber by a utility, one (1) year after the deposit or refund becomes payable; and
KRS 393A.100 When security presumed abandoned. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026

Quoted text (1)

Subject to KRS 393A.120, a security shall be presumed abandoned three (3) years after:
KRS 393A.090 When stored-value card presumed abandoned. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026

Quoted text (1)

Subject to KRS 393A.120, the net card value of a stored-value card, other than a payroll card or a gift card, shall be presumed abandoned on the latest of three (3) years after:
KRS 393A.080 When contents of safe-deposit box presumed abandoned. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026

Quoted text (1)

Tangible property held in a safe-deposit box and proceeds from a sale of the property by the holder permitted by law of this state other than this chapter are presumed abandoned if the property remains unclaimed by the apparent owner five (5) years after the earlier of the:
La. R.S. 9:154 Louisiana State Legislature · legis.la.gov · code text as displayed Nov. 3, 2026; history line in text · checked Nov. 3, 2026

Quoted text (10)

(20) All other property, five years after the obligation to pay or distribute the property arises.
(4) A demand, savings, or matured time deposit, including a deposit that is automatically renewable, five years after the earlier of its maturity or the date of the last indication by the owner of interest in the property;
(11) Wages or other compensation for personal services, one year after the compensation becomes payable.
(i) Three years after the earlier of the date of an unpresented instrument issued to pay interest or a dividend or other cash distribution, or the date of issue of an undelivered stock certificate issued as a stock dividend, split, or other distribution.
within three years after the date prescribed for payment or delivery.
(7) Amount owed by an insurer on a life or endowment insurance policy or annuity contract that has matured or terminated, three years after the obligation to pay arose
(6) Gift certificate, three years after December thirty-first of the year in which the certificate was sold.
(2) Money order, seven years after issuance.
(1) Travelers check, fifteen years after issuance.
(12) Deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable.
La. R.S. 9:155 Louisiana State Legislature · legis.la.gov · code text as displayed Nov. 3, 2026; history line in text · checked Nov. 3, 2026

Quoted text (1)

A. Intangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business, and proceeds resulting from the sale of the property permitted by other law, shall be presumed abandoned if it remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
33 M.R.S. §2061 Maine Legislature, Office of the Revisor of Statutes · legislature.maine.gov · current through Second Regular Session, 132nd Legislature (current through October 1, 2026 per chapter notice) · checked Nov. 3, 2026

Quoted text (8)

Property not specified in this section or sections 2062 to 2072, including funds in a lawyer's trust account, 3 years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises, whichever is earlier.
A payroll card or demand, savings or time deposit, including a deposit that is automatically renewable, 3 years after the later of maturity, if applicable, of the card or deposit and the apparent owner's last indication of interest in the card or deposit, except that a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal;
Wages, commissions, bonuses or reimbursements to which an employee is entitled or other compensation for personal services, one year after the amount becomes payable;
An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, 3 years after the obligation to pay arose under the terms of the policy or contract or, if a policy or contract for which an amount is owed on proof of death has not matured by proof of the death of the insured or annuitant:
Funds represented by a nonactivated stored-value obligation or other nonactivated electronic payment medium that require activation for use, one year after the funds would have otherwise first been available to the owner;
A money order, 7 years after issuance;
A traveler's check, 15 years after issuance;
A deposit or refund, other than an abandoned capital credit as defined in Title 35‑A, section 3503, subsection 2, paragraph A, owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
33 M.R.S. §2068 Maine Legislature, Office of the Revisor of Statutes · legislature.maine.gov · current through Second Regular Session, 132nd Legislature (current through October 1, 2026 per chapter notice) · checked Nov. 3, 2026

Quoted text (1)

Subject to section 2070, if the holder sends communications to the apparent owner of a security by first class United States mail on at least an annual basis, a security is presumed abandoned 3 years after the later of:
Dormancy table Office of the Maine State Treasurer · maineunclaimedproperty.gov · read Nov. 3, 2026; page undated · checked Nov. 3, 2026

Quoted text (2)

SC01 DIVIDENDS 3
SC16 MUTUAL FUNDS 3
33 M.R.S. §2067 Maine Legislature, Office of the Revisor of Statutes · legislature.maine.gov · current through Second Regular Session, 132nd Legislature (current through October 1, 2026 per chapter notice) · checked Nov. 3, 2026

Quoted text (1)

Subject to section 2070, a gift obligation is presumed abandoned 2 years after December 31st of the year in which the obligation arises or the most recent transaction involving the obligation occurs, whichever is later.
33 M.R.S. §2066 Maine Legislature, Office of the Revisor of Statutes · legislature.maine.gov · current through Second Regular Session, 132nd Legislature (current through October 1, 2026 per chapter notice) · checked Nov. 3, 2026

Quoted text (1)

Subject to section 2070, the net obligation value of a stored-value obligation is presumed abandoned on the latest of 3 years after:
33 M.R.S. §2065 Maine Legislature, Office of the Revisor of Statutes · legislature.maine.gov · current through Second Regular Session, 132nd Legislature (current through October 1, 2026 per chapter notice) · checked Nov. 3, 2026

Quoted text (1)

Tangible property held in a safe deposit box or other safekeeping depository in this State in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law are presumed abandoned if the property and proceeds remain unclaimed by the owner for more than 3 years after expiration of the lease or rental period on the box or other depository.
Maryland Code, Commercial Law § 17-308 Maryland General Assembly (mgaleg.maryland.gov) · mgaleg.maryland.gov · current text as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (2)

(b) All intangible personal property, not otherwise covered by this title, including any income or increment on it and deducting any lawful charges, that is held or owing in the ordinary course of the holder’s business and has remained unclaimed by the owner for more than 3 years after it became payable or distributable, is presumed abandoned.
(a) All unclaimed wages or outstanding payroll checks held or owing in the ordinary course of the holder’s business, that have remained unclaimed by the owner for more than 3 years after they became payable, are presumed abandoned.
Maryland Code, Commercial Law § 17-301.1 Maryland General Assembly (mgaleg.maryland.gov) · mgaleg.maryland.gov · current text as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (3)

(1) Any demand, savings, or matured time deposit account made with a banking organization, together with any interest or dividend on it, excluding any charges that lawfully may be withheld, 3 years after the later of:
(3) Any sum payable on a check certified in this State or on a written instrument issued in this State on which a banking or financial organization or business association is directly liable, including any certificate of deposit, draft, traveler’s check, and money order, that has been outstanding for more than 3 years from the date it was payable (or 15 years in the case of a traveler’s check) or, if payable on demand, from the date of its issuance, unless, within 3 years or 15 years in the case of a traveler’s check, the owner has:
(4) Any property removed from a safekeeping repository on which the lease or rental period has expired or any surplus amounts arising from the sale of the property pursuant to law, that have been unclaimed by the owner for more than 3 years from the date on which the lease or rental period expired.
Maryland Code, Commercial Law § 17-304 Maryland General Assembly (mgaleg.maryland.gov) · mgaleg.maryland.gov · current text as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(b) Any stock or other certificate of ownership, or any dividend, profit, distribution, interest, payment on principal, or other sum held by a business association for or to a shareholder, certificate holder, member, bondholder or other security holder, or participating patron of a cooperative is presumed abandoned 3 years after the later of:
Maryland Code, Commercial Law § 17-302 Maryland General Assembly (mgaleg.maryland.gov) · mgaleg.maryland.gov · current text as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than 3 years after the funds first become due and payable in accordance with:
Maryland Code, Commercial Law § 17-303 Maryland General Assembly (mgaleg.maryland.gov) · mgaleg.maryland.gov · current text as displayed Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(1) Any deposit made by a subscriber with a utility to secure payment for, or any sum paid in advance for, utility services to be furnished in the State, less any lawful deduction, that has remained unclaimed by the person who appears on the records of the utility as entitled to it for more than 3 years after the termination of the services for which the deposit or advance payment was made;
What is Unclaimed Property? Massachusetts Office of the State Treasurer, Unclaimed Property Division · findmassmoney.gov · checked Nov. 3, 2026

Quoted text (1)

Typically assets become unclaimed when the owner cannot be contacted for a three-year period by the holder of the asset, or for fifteen years in the case of traveler's checks.
Massachusetts Unclaimed Property Reporting Guidelines (Holder Reporting Manual) Massachusetts Office of the State Treasurer, Unclaimed Property Division · findmassmoney.gov · PDF created July 17, 2024 (file metadata) · checked Nov. 3, 2026

Quoted text (14)

AC01 Checking Accounts 3
AC02 Savings Accounts 3
AC03 Mature CD or Save Cert 3
MS01 Wages, Payroll, Salary 3
SC01 Dividends 3
SC16 Mutual Fund Shares 3
SC19 Dividend Reinvestment Plans 3
SC08 Shares of Stock (Returned by Post Office) 3
MS12 Unredeemed Gift Certificates 3
CK07 Money Orders 3
CK08 Traveler's Checks 15
SD01 SD Box Contents 7
UT01 Utility Deposits 3
UT03 Refunds or Rebates 3
Manual for Reporting Unclaimed Property (Form 2013, Rev 03-26) Michigan Department of Treasury · unclaimedproperty.michigan.gov · Revised February 2026 (Form 2013 Rev 03-26) · checked Nov. 3, 2026

Quoted text (10)

The dormancy period for most property types is three years.
3 AC01 CHECKING ACCOUNTS
3 AC02 SAVINGS ACCOUNTS
1 MS01 WAGES, PAYROLL, SALARY
The dormancy period for securities and securities-related cash is three years.
All other gift certificates or gift cards should be reported after three years of dormancy.
3 CK07 MONEY ORDERS
15 CK08 TRAVELER'S CHECKS
3 SD01 SAFE DEPOSIT BOX CONTENTS
1 UT01 UTILITY DEPOSITS
Minnesota Statutes chapter 345, Unclaimed Property (full chapter) Minnesota Office of the Revisor of Statutes · revisor.mn.gov · 2026 Minnesota Statutes · checked Nov. 3, 2026

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that is held or owing in this state in the ordinary course of the holder's business and has remained unclaimed by the owner for more than three years after it became payable or distributable is presumed abandoned.
(a) Any demand, savings or matured time deposit made in this state with a banking organization, together with any interest or dividend thereon, excluding contracted service charges which may be deducted for a period not to exceed one year, unless the owner has, within three years:
unpaid compensation for personal services or wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder's business that remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
if a dividend distribution or other sum payable as a result of the interest has remained unclaimed by the owner for three years
"Unclaimed funds," as used in this section, means all moneys held and owing by any life insurance corporation unclaimed and unpaid for more than three years after the moneys became due and payable
in the case of money orders, has been outstanding for more than seven years from the date of its issuance
in the case of traveler's checks, has been outstanding for more than 15 years from the date of its issuance
that have been unclaimed by the owner for more than five years from the date on which the lease or rental period expired.
that has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than one year after the termination of the services
House Bill 1513 (As Introduced), 2019 Regular Session: amends 89-12-53 and brings forward Sections 89-12-3 through 89-12-49 and 89-12-55 in full Mississippi Legislature · billstatus.ls.state.ms.us · statute text as of the 2019 Regular Session (bill died; brought-forward sections reproduce the law then in force) · checked Nov. 3, 2026

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All intangible personal property not otherwise covered by the provisions of this chapter, including any income or increment thereon and deducting any charges that may have accrued, that is held in the ordinary course of the holder's business and has remained unclaimed by the owner for more than five (5) years after it became payable or distributable shall be presumed abandoned.
Any demand, savings, or matured time deposit made in this state with a banking organization or financial organization, together with any interest or dividend thereon, excluding any charges that may have accrued, unless the owner has, within five (5) years:
funds held or owing by a life insurance corporation under any life or endowment insurance policy or annuity contract which has matured or terminated shall be presumed abandoned if unclaimed and unpaid for more than five (5) years after the funds became due and payable as established from the records of the corporation.
or, in the case of money orders, that has been outstanding for more than seven (7) years from the date of its issuance,
or, in the case of traveler's checks, that has been outstanding for more than fifteen (15) years from the date of its issuance,
Any deposit made by a subscriber with a utility to secure payment for, or any sum paid in advance for, utility services to be furnished in this state, less any lawful deductions, that has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than five (5) years after the termination of the services for which the deposit or advance payment was made.
Mississippi Administrative Code Title 38 (Treasurer), Part 4: Uniform Disposition of Unclaimed Property Act Mississippi Secretary of State (Administrative Code) · sos.ms.gov · current code PDF as served Nov. 3, 2026 (no effective date printed) · checked Nov. 3, 2026

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Subject to the provisions of the Act, any unpaid wages shall be presumed abandoned if, for longer than FIVE (5) years, the existence and location of the person to whom the wages are owed is unknown to the holder of the wages,
House Bill 1675 (As Sent to Governor), 2024 Regular Session: amends 89-12-3 and 89-12-11 (farm credit system cooperatives) Mississippi Legislature · billstatus.ls.state.ms.us · enacted; approved by Governor 04/20/2024; effective July 1, 2024 · checked Nov. 3, 2026

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stock or other intangible ownership interest in a business association which is held by the association, the existence of which is evidenced by records available to the association, is presumed abandoned if a dividend, distribution or other sum payable as a result of the interest has remained unclaimed by the owner for five (5) years
FAQ's: Reporting Property Office of the Mississippi State Treasurer (portal) · ms.findyourunclaimedproperty.com · as displayed Nov. 3, 2026 (one answer refers to 2021) · checked Nov. 3, 2026

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If there is no expiration date printed on the card and it is five years dormant, please report and remit along with the following information:
Reporting Unclaimed Property (holder FAQ) Missouri State Treasurer's Office · treasurer.mo.gov · checked Nov. 3, 2026

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The dormancy period is 5 years for all types of property except the following:
Payroll – 3 years
Money orders – 7 years
Travelers checks – 15 years
RSMo § 447.520 (Revised Statutes of Missouri, current text) Missouri Revisor of Statutes (Joint Committee on Legislative Research) · revisor.mo.gov · 28 Aug 1998 · checked Nov. 3, 2026

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Any stock or other certificate of ownership, or any dividend, profit, distribution, interest, payment on principal, or other sum held or owing by a business association for or to a shareholder, certificate holder, member, bondholder, or other security holder, or a participating patron of a cooperative, who has not claimed it, or corresponded in writing with the business association concerning it, within seven years or five years as provided in section 447.536 after the date prescribed for payment or delivery, is presumed abandoned if:
RSMo § 447.510 (Revised Statutes of Missouri, current text) Missouri Revisor of Statutes (Joint Committee on Legislative Research) · revisor.mo.gov · 28 Aug 2003 · checked Nov. 3, 2026

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"Unclaimed funds", as used in this section, means all moneys held and owing by any insurance corporation unclaimed and unpaid for more than seven years or five years as provided in section 447.536 after the moneys became due and payable as established from the records of the corporation under any property insurance or casualty insurance policy or any life or endowment insurance policy or annuity contract which has matured or terminated, including all unpaid drafts, except drafts issued for the purpose of an offer of settlement.
Treasurer Vivek Malek Announces Record-Breaking Year at Unclaimed Property Auction (press release) Missouri State Treasurer's Office · treasurer.mo.gov · Sep 03, 2026 · checked Nov. 3, 2026

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These boxes are turned over to the office from banking institutions across the state after five years of inactivity.
RSMo § 447.517 (Revised Statutes of Missouri, current text) Missouri Revisor of Statutes (Joint Committee on Legislative Research) · revisor.mo.gov · 28 Aug 1998 · checked Nov. 3, 2026

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Any deposit made by a subscriber with a utility to secure payment for, or any sum paid in advance for, utility services to be furnished in this state, less any lawful deductions, that has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than seven years or five years as provided in section 447.536 after the termination of the services for which the deposit or advance payment was made;
70-9-803, MCA: Presumptions of abandonment Montana Legislature (Legislative Services Division) · mca.legmt.gov · Montana Code Annotated 2025 · checked Nov. 3, 2026

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all other property, 5 years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
a payroll card, or a demand, savings, or time deposit, including a deposit that is automatically renewable, 5 years after the earlier of maturity or the date of the last indication by the owner of interest in the property;
wages or other compensation for personal services, 1 year after the compensation becomes payable;
amount that is owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, 3 years after the obligation to pay arose or, in the case of a policy or annuity payable on proof of death, 3 years after the insured has attained, or would have attained if living, the limiting age under the mortality table on which the reserve is based;
gift certificate, 3 years after December 31 of the year in which the certificate was sold, but if redeemable in merchandise only, the amount abandoned is considered to be 60% of the certificate's face value.
money order, 7 years after issuance;
traveler's check, 15 years after issuance;
deposit or refund owed to a subscriber by a utility, 1 year after the deposit or refund becomes payable;
70-9-830, MCA: When security presumed abandoned Montana Legislature (Legislative Services Division) · mca.legmt.gov · Montana Code Annotated 2025 · checked Nov. 3, 2026

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A security is presumed abandoned 3 years after:
Unclaimed Property Holders Guide Montana Department of Revenue · revenuefiles.mt.gov · archived copy, captured Jan. 5, 2026 (view capture) · checked Nov. 3, 2026

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SC01 Dividends 3
70-9-804, MCA: Contents of safe deposit box Montana Legislature (Legislative Services Division) · mca.legmt.gov · Montana Code Annotated 2025 · checked Nov. 3, 2026

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Tangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law are presumed abandoned if the property remains unclaimed by the owner for more than 5 years after expiration of the lease or rental period on the box or other depository.
Neb. Rev. Stat. 69-1301 to 69-1332 (print-friendly range: Uniform Disposition of Unclaimed Property Act and county sheriff sections) Nebraska Legislature · nebraskalegislature.gov · archived copy, captured Jan. 22, 2026 (view capture) · checked Nov. 3, 2026

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all intangible personal property, not otherwise covered by the Uniform Disposition of Unclaimed Property Act, including any income or increment thereon after deducting any lawful charges, that is held or owing in this state in the ordinary course of the holder's business and has remained unclaimed by the owner for more than five years after it became payable or distributable, is presumed abandoned.
The unredeemed value of a general-use prepaid card, including any income or increment thereon after deducting any lawful charges, that is held or owing in this state in the ordinary course of the holder's business and has remained unclaimed by the owner for more than five years after the last transaction initiated by the card owner, is presumed abandoned.
Any demand, savings, or matured time deposit that is not automatically renewable made in this state with a banking organization, together with any interest or dividends thereon, excluding any charges that may lawfully be withheld, unless the owner has, within five years:
Unpaid wages, including wages represented by payroll checks owing in the ordinary course of the holder's business which remain unclaimed by the owner for more than one year after becoming payable, are presumed abandoned.
The interest in the association is owned by a person who for more than five years has not claimed a dividend, distribution, or other sum payable as a result of the interest or has not communicated with the association regarding the interest
Unclaimed funds, as used in this section, means all money held and owing by any life insurance corporation unclaimed and unpaid for more than five years after the money became due and payable
A gift certificate or gift card which contains an expiration date or requires any type of post-sale finance charge or fee which is unredeemed for a period of three years from the date of issuance shall be presumed abandoned.
money orders, that has been outstanding for more than seven years from the date of issuance
traveler's checks, that has been outstanding for more than fifteen years from the date of issuance
Any funds or other personal property, tangible or intangible, removed from a safe deposit box or any other safekeeping repository or agency or collateral deposit box in this state on which the lease or rental period has expired due to nonpayment of rental charges or other reason, or any surplus amounts arising from the sale thereof pursuant to law, that have been unclaimed by the owner for more than three years from the date on which the lease or rental period expired.
has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than three years after the termination of the services for which the deposit or advance payment was made.
has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than three years after the date it became payable in accordance with the final determination or order providing for the refund.
FAQs: General Nevada Treasury, Unclaimed Property (Nevada State Treasurer) · nvup.gov · checked Nov. 3, 2026

Quoted text (1)

Generally, if the property in question has not had any activity within a certain period of time, e.g., three years for most properties, and the holder is unable to locate the property owner, it is considered abandoned and must be reported to the Nevada Treasury's Unclaimed Property.
Holder Reporting Manual, State of Nevada, Fiscal Year 2027 Nevada Treasury, Unclaimed Property (Nevada State Treasurer) · nvup.gov · Fiscal year 2027 edition · checked Nov. 3, 2026

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ACCOUNTS BALANCES (3 YEARS)
MS01 WAGES, PAYROLL, SALARY (1 YEAR)
These property types have a period of abandonment of 3 years from the earlier of the date last owner generated indication of interest in the property OR the date the holder receives knowledge of death.
3 years after the earlier of: o Date of death of the insured/annuitant OR o Maturity date of policy or contract OR o Date the insured would have attained, if living, limiting age on the mortality table under which the reserve is based.
If the gift certificate has not been used for at least three years, it is subject to reporting and remittance at 100% of the remaining face value.
CK07 MONEY ORDERS (7 YEARS)
CK08 TRAVELER’S CHECKS (15 YEARS)
SAFE-DEPOSIT BOXES AND SAFEKEEPING (3 YEARS)
UT01 UTILITY DEPOSITS (1 YEAR)
UT03 REFUNDS OR REBATES (1 YEAR)
RSA Chapter 471-C, Custody and Escheat of Unclaimed and Abandoned Property New Hampshire General Court · gc.nh.gov · archived copy, captured Jan. 6, 2026 (view capture) · checked Nov. 3, 2026

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Except as otherwise provided in this chapter, all intangible property, including any income or increment derived from it, less any lawful charges, that is held, issued, or owing in the ordinary course of a holder's business and has remained unclaimed by the owner for more than 5 years after it became payable or distributable is presumed abandoned.
Any demand, savings, or matured time deposit with a banking or financial organization, including a deposit that is automatically renewable, and any funds paid toward the purchase of a share, a mutual investment certificate, or other interest in a banking or financial organization is presumed abandoned unless the owner, within 5 years has:
Unpaid wages, including wages represented by un-presented payroll checks, owing in the ordinary course of the holder's business which remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
Stock or other equity interest in a business association other than a consumers' cooperative association, is presumed abandoned 3 years after the earliest of:
Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than 5 years after the funds became due and payable as established from the records of the insurance company holding or owing the funds, but property described in subparagraph III(b) is presumed abandoned if unclaimed for more than 2 years.
Subject to paragraph IV, any sum payable on a money order or similar written instrument, other than a third-party check, that has been outstanding for more than 7 years after its issuance is presumed abandoned
Subject to paragraph IV, any sum payable on a travelers check that has been outstanding for more than 15 years after its issuance is presumed abandoned
All tangible and intangible property held in a safe deposit box or any other safekeeping repository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, which remain unclaimed by the owner for more than 5 years after the lease or rental period on the box or other repository has expired, are presumed abandoned.
A deposit, including any interest thereon, made by a subscriber with a utility to secure payment or any sum paid for utility services less any lawful deductions, that is due and owing but remains unclaimed by the owner for more than one year after termination of the services for which the deposit or payment was made is presumed abandoned.
Schedule T-1-A Property Type Codes With Dormancy Periods New Hampshire State Treasury, Abandoned Property Division · findnhmoney.gov · rev. 08/19/2019 (per file name) · checked Nov. 3, 2026

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MS12 UNREDEEMED GIFT CERTIFICATES (Issued in amount > $250) 5
Abandonment Table New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · Updated September 2025 · checked Nov. 3, 2026

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All other Intangible Property 3 years
Savings, Time & Demand Deposits 3 years
Wages/Payroll 1 year
Dividends 3 years
Undelivered Shares 3 years Underlying Shares and Bonds 3 years and 3 dividend or interest distributions Unexchanged Shares 3 years
Underlying Shares and Bonds 3 years and 3 dividend or interest distributions
Non-Dividend Paying Securities (NEW) 3 years after second sailing and mutual funds
3 years after policy has matured or terminated
Stored Value Cards and similar instruments 5 years
Money Orders 3 years
Travelers Checks 3 years
Safe Deposit Box Contents 5 years after lease/rental expiration
Utility Deposits 1 year after service ends
NMSA 1978 Chapter 7, Article 8A, Uniform Unclaimed Property Act (1995), Sections 7-8A-1 to 7-8A-31, with annotations New Mexico Compilation Commission (NMOneSource.com) · nmonesource.com · Current NMSA 1978 as published on NMOneSource (site last modified 11/02/2026); latest Article 8A amendment shown: Laws 2021, ch. 65 · checked Nov. 3, 2026

Quoted text (9)

(15) all other property, five years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
(5) a demand, savings or time deposit, including a deposit that is automatically renewable, five years after the earlier of maturity or the date of the last indication by the owner of interest in the property;
(12) wages or other compensation for personal services, one year after the compensation becomes payable;
(3) stock or other equity interest in a business association or financial organization, including a security entitlement under Article 8 [55-8-101 NMSA 1978] of the Uniform Commercial Code, five years after the earlier of:
(7) gift certificate, five years after December 31 of the year in which the certificate was sold, but if redeemable in merchandise only, the amount abandoned is deemed to be sixty percent of the certificate's face value;
(2) money order, seven years after issuance;
(1) traveler's check, fifteen years after issuance;
Tangible property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, are presumed abandoned if the property remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
(13) deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
Unclaimed Funds Annual Report 2025-2026 (PDF) Office of the New York State Comptroller, Office of Unclaimed Funds · osc.ny.gov · archived copy, captured Sept. 30, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (1)

After a period of inactivity, typically three years, funds may be turned over to the State.
S.4109 of 2025-26 (Comrie): extends dormancy periods from three to five years; quotes current APL §§300, 501, 511, 700 New York State Assembly (nyassembly.gov bill search) · nyassembly.gov · bill introduced Feb. 3, 2025; re-referred to Senate Finance Jan. 7, 2026 (not enacted) · checked Nov. 3, 2026

Quoted text (5)

(a) Any amounts due on deposits or any amounts to which a shareholder of a savings and loan association or a credit union is entitled, held or owing by a banking organization, which shall have remained unclaimed for [three] five years by the person or persons appearing to be entitled thereto,
3. Any wages payable on or after July first, nineteen hundred sixtythree by a domestic or foreign corporation and held for a resident by such issuing corporation or held and payable by a fiduciary other than a broker or dealer as defined in section five hundred ten of this chapter for a resident shall be deemed to be abandoned property, where for [three] five successive years:
(ii) has, on the thirty-first day of December in any year, remained unpaid to or unclaimed by such resident for a period of [three] five years.
(a) Any moneys held or owing by any life insurance corporation which shall have remained unclaimed for [three] five years by the person or persons appearing to be entitled thereto under matured life insurance policies on the endowment plan
(d) After the expiration of [three] five years from the opening of any vault, safe deposit box or other receptacle by a banking organization pursuant to the provisions of the banking law,
Property Type Table (PDF) Office of the New York State Comptroller, Office of Unclaimed Funds · osc.ny.gov · archived copy, captured July 23, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (3)

MS12 1315 Unredeemed Gift Certificates 5 years
CK88 1309 Licensed Money Transmitter Receipts/Money Orders (non- bank) 5 years
CK08 1309 Traveler's Checks 15 years
A.6762 of 2025-26 (Woerner), signed as Chapter 129 of the Laws of 2025: ESCOs and unclaimed utility deposits/refunds (APL §§103, 400, 402, 403) New York State Assembly (nyassembly.gov bill search) · nyassembly.gov · signed May 23, 2025 (chap. 129); effective the July 1 following enactment · checked Nov. 3, 2026

Quoted text (1)

together with any interest due thereon, which shall have remained unclaimed by the person or persons appearing to be entitled thereto for two years after the termination of the utility services to secure the payment of which such deposit was made,
NAUPA Class Codes and Dormancy Periods for Non-Governmental Holders North Carolina Department of State Treasurer · nccash.gov · checked Nov. 3, 2026

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ZZZZ Properties Not Identified Above 5
AC01 Checking Accounts 5
AC02 Savings Accounts 5
AC03 Matured CD or Savings Cert. 10
MS01 Wages, Payroll, Salary 1
SC16 Mutual Fund Shares 3
CK07 Money Orders 7
CK08 Traveler's Checks 15
SD01 Safe Deposit Box Contents * 2
UT01 Utility Deposits 1
UT03 Refunds or Rebates 1
Guide: Gift Certificates, Electronic Gift Cards and Layaways North Carolina Department of State Treasurer · nccash.gov · Updated 9/22/2026 · checked Nov. 3, 2026

Quoted text (1)

Unredeemed gift certificates bearing an expiration date are presumed abandoned three years after issue.
N.D.C.C. chapter 47-30.2, Revised Uniform Unclaimed Property Act North Dakota Legislative Branch · legis.nd.gov · PDF created June 30, 2025 (after 2025 HB 1149); same file the program site links as /docs/ND_Revised_Uniform_UCP_Act.pdf · checked Nov. 3, 2026

Quoted text (10)

Property not specified in this section or sections 47-30.2-05 through 47-30.2-10, the earlier of three years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
A payroll card or a demand, savings, or time deposit, including a time deposit that is automatically renewable, five years after the date of maturity of the time deposit or the date of the last indication of interest in the property by the apparent owner, whichever is earlier,
Wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, one year after the amount becomes payable;
Subject to section 47-30.2-12, a security is presumed abandoned three years after:
An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three years after the obligation to pay arose under the terms of the policy or contract
Subject to section 47-30.2-12, the net card value of a stored-value card, other than a payroll card, is presumed abandoned on the latest of three years after:
A money order, seven years after issuance;
A traveler's check, fifteen years after issuance;
Tangible property held in a safe deposit box is presumed abandoned if the property remains unclaimed by the apparent owner three years after the earlier of the:
A deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
Unclaimed Funds Reporting Guide (2026) Ohio Division of Unclaimed Funds · dam.assets.ohio.gov · 2026 edition ("WHAT'S NEW FOR 2026") · checked Nov. 3, 2026

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Most Property - 3 Year Dormancy Period for on-Life Insurance Companies
AC01 Checking Accounts or Share Draft Accounts 5
AC03 Matured CDs, Savings Certificates or Share Certificate Accounts 5
Wages, salary and commissions become dormant (1) year from the date payable.
SC01 Dividends 5
CK08 Travelers Checks 15
SD06 Funds from Sale of Safe Deposit Box Contents 3
UT01 Utility Deposits 1
ORC 169.02 Further defining unclaimed funds Ohio Legislative Service Commission (codes.ohio.gov) · codes.ohio.gov · archived copy, captured June 6, 2026 (view capture) · checked Nov. 3, 2026

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except that the unclaimed period for money orders that are not third party bank checks is seven years, and the unclaimed period for traveler's checks is fifteen years, from the date payable or from the date of issuance if payable on demand.
Oklahoma Statutes Title 60 (Property), Uniform Unclaimed Property Act, 60 O.S. §§651-688 Oklahoma Legislative Service Bureau · oklegislature.gov · compiled title; latest amendments shown Laws 2025, c. 421, eff. Nov. 1, 2025 · checked Nov. 3, 2026

Quoted text (9)

Except as otherwise provided in the Uniform Unclaimed Property Act, all intangible personal property, including income or increment derived from the property, less any lawful charges, that is held, issued, or owing in the ordinary course of a holder’s business and has remained unclaimed by the owner for more than five (5) years after becoming payable or distributable is presumed abandoned.
Any demand, savings, or matured time deposit with a banking or financial organization, and any funds paid toward the purchase of a share, funds paid toward a mutual investment certificate, or funds paid toward any other interest in a banking or financial organization is presumed abandoned, unless the owner, within five (5) years has:
Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder's business which remain unclaimed by the owner for more than one (1) year after becoming payable are presumed abandoned.
Stock or other equity interest in a business association is presumed unclaimed three (3) years after the earliest of:
Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than five (5) years after the funds became due and payable as established from the records of the insurance company holding or owing the funds,
any sum payable on a money order or similar written instrument, other than a third- party bank check, that has been outstanding for more than seven (7) years after its issuance is presumed abandoned
any sum payable on a travelers check that has been outstanding for more than fifteen (15) years after its issuance is presumed abandoned
All tangible and intangible personal property held in a safe deposit box or other safekeeping repository in this state in the ordinary course of the holder’s business and proceeds resulting from the sale of the property permitted by other law, which remain unclaimed by the owner for more than five (5) years after the lease or rental period on the box or other repository has expired, are presumed abandoned.
A deposit, including any interest thereon, made by a subscriber with a utility to secure payment or any sum paid in advance for utility services to be furnished, less any lawful deductions, that remains unclaimed by the owner for more than one (1) year after termination of the services for which the deposit or advance payment was made is presumed abandoned.
Report of Unclaimed Report – Verification and Checklist (Form 496-UP) Oklahoma State Treasurer · oklahoma.gov · Revision 07072025 (July 7, 2025) · checked Nov. 3, 2026

Quoted text (1)

___ ___ MS02 Commissions 5 ___ ___ MS12 Unredeemed Gift Certificates 5
ORS Chapter 98, Lost, Unclaimed or Abandoned Property (2025 edition) Oregon State Legislature (Legislative Counsel) · oregonlegislature.gov · archived copy, captured Feb. 21, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (8)

All intangible personal property, not otherwise covered by ORS 98.302 to 98.436 and 98.992, including any income or increment thereon and deducting any lawful charges, that is held or owing in the ordinary course of the holder’s business and has remained unclaimed by the owner for more than three years after it became payable or distributable is presumed abandoned.
any demand, savings or matured time deposit with a financial institution, including a deposit that is automatically renewable, and any funds paid toward the purchase of a share, mutual investment certificate or any other interest in a financial institution is presumed abandoned unless the owner, within three years, has done one or more of the following:
Unpaid wages, including wages represented by unpresented payroll checks, due and owing in the ordinary course of the holder’s business that remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned, notwithstanding the owner’s failure to make demand or to present any instrument or document required to receive payment.
Three years after the date of the owner’s last communication to the holder indicating the owner’s interest in the property;
Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than three years after the funds become due and payable as established from the records of the insurance company holding or owing the funds, but property described in subsection (3)(b)(A) of this section is presumed abandoned if unclaimed for more than two years.
any sum payable on a traveler’s check that has been outstanding for more than 15 years after its issuance is presumed abandoned
all tangible and intangible property held in a safe deposit box or any other safekeeping repository in this state in the ordinary course of the holder’s business, which remains unclaimed by the owner for more than two years after the lease or rental period on the box or other repository has expired, is presumed abandoned.
The following funds held or owing by any utility are presumed abandoned if unclaimed by the apparent owner for more than one year after the date of termination of services or when the funds otherwise become payable or distributable:
Oregon Holder Reporting Handbook Oregon State Treasury, Unclaimed Property Program · unclaimed.oregon.gov · archived copy, captured May 24, 2025 (view capture) · checked Nov. 3, 2026

Quoted text (1)

ORS 646A.274 defines a gift card in Oregon. If your gift card/gift certificate meets the definition, then it does not need to be reported.
The Fiscal Code, Act of Apr. 9, 1929, P.L. 343, No. 176, Article XIII.1 (72 P.S. § 1301.1 et seq.) Pennsylvania General Assembly · palegis.us · text displayed Nov. 3, 2026; latest Article XIII.1 amendment shown: July 17, 2024, P.L.910, No.81 · checked Nov. 3, 2026

Quoted text (10)

All property, not otherwise covered by this article, which is admitted in writing by the holder and adjudicated to be due, which is held or owing in the ordinary course of the holder's business, which has remained unclaimed by the owner for more than three (3) years after it became payable or distributable and in which the owner has not indicated an interest is presumed abandoned and unclaimed except for clause 2.
Any demand, saving or matured time deposit in a financial institution, or any funds paid toward the purchase of shares or other interest in a savings association, savings and loan or building and loan association, excluding any charges that may lawfully be withheld, unless within the preceding three (3) years the owner has:
Wages or other compensation for personal services that have remained unclaimed by the owner for more than two (2) years after the wages or other compensation for personal services become payable or are distributed are presumed abandoned and unclaimed.
Any certificate of stock or participating right in a business association, for which a certificate has been issued or is issuable but has not been delivered three (3) years after the holder has lost contact with the owner, unless the owner has within that three (3) year period:
Any sum due as a dividend, profit, distribution, payment or distributive share of principal held or owing by a business association three (3) years after the holder has lost contact with the owner, unless the owner has within that three (3) year period:
Any moneys held or owing by an insurer as established by its records under any contract of annuity or policy of life insurance including premiums returnable or dividends payable, unclaimed and unpaid for more than three (3) years after the moneys have or shall become due and payable under the provisions of such contract of annuity or policy of insurance.
The consideration paid for a gift certificate or gift card which has remained unredeemed for two (2) years or more after its redemption period has expired or after the minimum period specified in section 915(c) of the Consumer Credit Protection Act (Public Law 90-321, 15 U.S.C. § 1693l-1(c)), whichever occurs later, or for three (3) years or more from the date of issuance if no redemption period is specified. The provisions of this clause shall not apply to a qualified gift certificate.
Any funds or other personal property, tangible or intangible, removed from a safe deposit box or any other safekeeping repository in the Commonwealth on which the lease or rental period has expired due to nonpayment of rental charges or other reason, or any surplus amounts arising from the sale thereof pursuant to law, if the same has not been claimed by the owner for more than three (3) years from the date on which the rental period expired.
Any customer advance, toll, deposit or collateral security or any other property held by any utility if under the terms of an agreement the advance, toll, deposit, collateral security or other property is due to or demandable by the owner and has remained unclaimed for three (3) years or more from the date when it first became due to or demandable by the owner under the agreement.
Any sum which a utility has been ordered to refund, less any lawful deductions, and which has remained unclaimed by the person appearing on the records of the utility entitled thereto for two (2) years or more after the date it became payable in accordance with the final order providing for the refund.
Pennsylvania Unclaimed Property Annual Reporting, 2026 Report Year Pennsylvania Treasury Department · searchandclaimpa.gov · 2026 report year · checked Nov. 3, 2026

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Money orders - 7 years (issued by financial and non-financial institutions)
Travelers cheques - 15 years
Ley Núm. 36 de 28 de julio de 1989, según enmendada (OGP compilation) Oficina de Gerencia y Presupuesto, Biblioteca Virtual · bvirtualogp.pr.gov · Rev. 13 de diciembre de 2020 · checked Nov. 3, 2026

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cuando dentro de los cinco (5) años anteriores, su dueño no haya demostrado algún interés en dicho dinero o bienes líquidos en cualquiera de las siguientes formas:
cuando luego del vencimiento de la obligación de devolver o pagar dicho dinero u otros bienes líquidos y de haberse notificado a su dueño que éstos están a su disposición, hayan transcurrido cinco (5) años desde el vencimiento, sin que el dueño los haya reclamado o expresado por escrito su interés en los mismos.
Ley de Bancos, Ley Núm. 55 de 12 de mayo de 1933 (OGP compilation, Sección 37(a)) OGP via OCIF (docs.pr.gov) · docs.pr.gov · Rev. 17 de agosto de 2020 · checked Nov. 3, 2026

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no reclamadas por el depositante o por la persona con derecho a las mismas durante los cinco (5) años anteriores a la fecha del informe, excluyéndose:
Dormancy Periods Rhode Island Office of the General Treasurer, Unclaimed Property Division · findrimoney.gov · checked Nov. 3, 2026

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Most Uncashed Checks 3 Years
All Undefined Property 3 Years
Bank Accounts 3 Years
Matured CD’s 6 Years
Payroll Checks 1 Year
Shares of Stock 5 Years
Dividends and Stock 3 Years
Funds for Liquidated or Un-surrendered Shares 1 Year
Safe Deposit Boxes 3 Years
Utility Deposits 1 Year
R.I. Gen. Laws § 33-21.1-2 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured April 12, 2026 (view capture) · checked Nov. 3, 2026

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unclaimed by the owner for more than three (3) years after it became payable or distributable is presumed abandoned
Voluntary Disclosure Agreement Rhode Island Office of the General Treasurer, Unclaimed Property Division · findrimoney.gov · checked Nov. 3, 2026

Quoted text (1)

Rhode Island law requires that individuals, business associations, agencies, corporations, and other types of legal or commercial entities (“Holder(s)”) review their records each year to determine if they are in possession of property belonging to another that has remained unclaimed by the owner for more than three years after it has become payable or distributable (“Unclaimed Property”).
R.I. Gen. Laws § 33-21.1-6 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured July 18, 2026 (view capture) · checked Nov. 3, 2026

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within three (3) years, and, in the case of matured time deposits, including a deposit that is automatically renewable, within six (6) years
R.I. Gen. Laws § 33-21.1-15 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured June 7, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (1)

Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder’s business which remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
R.I. Gen. Laws § 33-21.1-10 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured April 11, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (1)

if a dividend, distribution, or other sum payable as a result of the interest has remained unclaimed by the owner for five (5) years
R.I. Gen. Laws § 33-21.1-4 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured April 26, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (2)

any sum payable on a money order or similar written instrument, other than a third party bank check, that has been outstanding for more than five (5) years after its issuance is presumed abandoned
any sum payable on a travelers check that has been outstanding for more than fifteen (15) years after its issuance is presumed abandoned
Reporting Tangibles Rhode Island Office of the General Treasurer, Unclaimed Property Division · findrimoney.gov · checked Nov. 3, 2026

Quoted text (1)

In accordance with Rhode Island General Laws § 33-21.1-16 , opens in a new tab , all tangible and intangible items which remain unclaimed by the owner for more than three (3) years after the lease or rental period on the box are presumed abandoned.
R.I. Gen. Laws § 33-21.1-16 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured April 22, 2025 (view capture) · checked Nov. 3, 2026

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which remain unclaimed by the owner for more than three (3) years after the lease or rental period on the box or other repository has expired, are presumed abandoned.
R.I. Gen. Laws § 33-21.1-8 State of Rhode Island General Assembly (official statutes site) · webserver.rilegislature.gov · archived copy, captured Feb. 23, 2026 (view capture) · checked Nov. 3, 2026

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that remains unclaimed by the owner for more than one year after termination of the services for which the deposit or advance payment was made is presumed abandoned.
S.C. Code Title 27, Chapter 18: Uniform Unclaimed Property Act South Carolina Legislature (scstatehouse.gov) · scstatehouse.gov · Code current through the 2026 Session (per sc-code-statmast); unofficial online version · checked Nov. 3, 2026

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(A) Except as otherwise provided by this chapter, all intangible property, including any income or increment derived therefrom, less any lawful charges, that is held, issued, or owing in the ordinary course of a holder's business and has remained unclaimed by the owner for more than five years after it became payable or distributable is presumed abandoned.
(A) Any demand, savings, or matured time deposit with a banking or financial organization, including a deposit that is automatically renewable, and any funds paid toward the purchase of a share, a mutual investment certificate, or any other interest in a banking or financial organization is presumed abandoned unless the owner, within five years has:
Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder's business which remain unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
(A) Stock or other equity interest in a business association is presumed unclaimed three years after the earliest of:
(C) Matured or redeemed debt is presumed unclaimed three years after the date of maturity or redemption.
(A) Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than five years after the funds became due and payable as established from the records of the insurance company holding or owing the funds, but property described in subsection (C)(2) is presumed abandoned if unclaimed for more than two years.
(B) Subject to subsection (D), any sum payable on a money order or similar written instrument, other than a third-party bank check, that has been outstanding for more than seven years after its issuance is presumed abandoned
(A) Subject to subsection (D), any sum payable on a travelers check that has been outstanding for more than fifteen years after its issuance is presumed abandoned
All tangible and intangible property held in a safe deposit box or any other safekeeping repository in this State in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, which remain unclaimed by the owner for more than five years after the lease or rental period on the box or other repository has expired, are presumed abandoned.
(A) A deposit, including any interest thereon, made by a subscriber with a utility to secure payment or any sum paid in advance for utility services to be furnished, less any lawful deductions, that remains unclaimed by the owner for more than one year after termination of the services for which the deposit or advance payment was made is presumed abandoned.
SDCL 43-41B-2 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

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(a) Except as otherwise provided by this chapter, all intangible property, including any income or increment derived therefrom, less any lawful charges, that is held, issued, or owing in the ordinary course of a holder's business and has remained unclaimed by the owner for more than three years after it became payable or distributable is presumed abandoned.
SDCL 43-41B-6 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Any demand, savings, or matured time deposit with a banking or financial organization, including a deposit that is automatically renewable, and any funds paid toward the purchase of a share, a mutual investment certificate, or any other interest in a banking or financial organization is presumed abandoned unless in the case of a matured time deposit, the banking or financial organization has mailed, at least once in three years certified mail requesting a return receipt, to the owner and the receipt has been returned and signed by the addressee, or unless the owner, within three years has:
SDCL 43-41B-16 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

Unpaid wages, including wages represented by unpresented payroll checks, owing in the ordinary course of the holder's business which remains unclaimed by the owner for more than one year after becoming payable are presumed abandoned.
SDCL 43-41B-10 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Except as provided in subsections (b) and (e), stock or other intangible ownership interest in a business association, the existence of which is evidenced by records available to the association, is presumed abandoned and, with respect to the interest, the association is the holder, if a dividend, distribution, or other sum payable as a result of the interest has remained unclaimed by the owner for three years and the owner within three years has not:
SDCL 43-41B-7 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than three years after the funds became due and payable as established from the records of the insurance company holding or owing the funds, but property described in subsection (c)(2) is presumed abandoned if unclaimed for more than three years.
SDCL 43-41B-15 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

(a) A gift certificate or a credit memo issued in the ordinary course of an issuer's business which remains unclaimed by the owner for more than three years after becoming payable or distributable is presumed abandoned.
SDCL 43-41B-4 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (2)

(b) Any sum payable on a money order or similar written instrument, other than a third-party bank check, that has been outstanding for more than three years after its issuance is presumed abandoned unless the owner, within three years, has communicated in writing with the issuer concerning it or otherwise indicated an interest as evidenced by a memorandum or other record on file prepared by an employee of the issuer.
(a) Any sum payable on a travelers check that has been outstanding for more than fifteen years after its issuance is presumed abandoned unless the owner, within fifteen years, has communicated in writing with the issuer concerning it or otherwise indicated an interest as evidenced by a memorandum or other record on file prepared by an employee of the issuer.
SDCL 43-41B-17 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

Any tangible and intangible property held in a safe deposit box or any other safekeeping repository or agency or collateral deposit box in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, which remain unclaimed by the owner for more than three years after the lease or rental period on the box or other repository has expired, are presumed abandoned.
SDCL 43-41B-8 South Dakota Legislature (Legislative Research Council) · sdlegislature.gov · current codified text as served Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

Any deposit, including any interest thereon, made by a subscriber with a utility to secure payment for or any sum paid in advance for utility services to be furnished in this state, less any lawful deductions, is presumed abandoned if it has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than one year after the termination of the services for which the deposit or advance payment was made.
Public Chapter No. 457 (HB 420), Uniform Unclaimed Property Act Tennessee Secretary of State (Public Acts) · publications.tnsosfiles.com · approved 2017 (passed May 9, 2017); effective July 1, 2017 · checked Nov. 3, 2026

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(14) All other property not specified in this section or $ 66-29-106, S 66- 29-107, S 66-29-108, S 66-29-109, S 66-29-110, or S 66-29-111, the earlier of three (3) years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
(5) A payroll card or demand, savings, or a time deposit, including a deposit that is automatically renewable, three (3) years after the earlier of maturity or the date of the last indication of interest in the property by the apparent owner;
(11) Wages, commissions, bonuses, or reimbursements as to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one (1) year after the amount becomes payable;
(a) Except as otherwise provided in $ 66-29-113, a security is presumed abandoned three (3) years after: (1) The date a second consecutive communication sent by the holder by first-class United States mail to the apparent owner is returned to the holder undelivered by the United States postal service; or
(7) An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three (3) years after the obligation to pay arose under the terms of the policy or contract
(a) Except as otherwise provided in $ 66-29-113, a stored-value card other than a payroll card or a gift card is presumed abandoned five (5) years after the later of:
(2) A money order, seven (7) years after issuance;
(1) A travele/s check, fifteen (15) years after issuance;
(2) For any person, other than a bank, savings and loan association, or savings bank, any funds or personal property removed from a safe deposit box, a safekeeping repository or agency, or a collateral deposit box as the result of the expiration or termination of a lease or rental period due to nonpayment of rental charges or for any other reason, and that have been unclaimed by the owner for
(12) A deposit or refund owed to a subscriber by a utility, one (1) year after the deposit or refund becomes payable;
Texas Property Code, Title 6, Chapter 72: Abandonment of Personal Property Texas Legislature (Texas Constitution and Statutes, Texas Legislative Council) · statutes.capitol.texas.gov · statutes site states current through the 89th 2nd Called Session, 2025; read Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (7)

(a) Except as provided by this section and Sections 72.1015, 72.1016, 72.1017, 72.102, and 72.104, personal property is presumed abandoned if, for longer than three years:
(b) An amount of unclaimed wages is presumed abandoned if, for longer than one year:
(b)(1) The three-year period leading to a presumption of abandonment of stock or another intangible ownership interest in a business association, the existence of which is evidenced by records available to the association, commences on the first date that either a sum payable as a result of the ownership interest is unclaimed by the owner or a communication to the owner is returned undelivered by the United States Postal Service.
(2) the third anniversary of the date the card was issued, if the card is not used after it is issued, or the date the card was last used or value was last added to the card; or
(1) the third anniversary of the date on which the money order was issued;
(1) the 15th anniversary of the date on which the check was issued;
(1) the first anniversary of the date a refund check for the utility deposit was payable to the owner of the deposit;
Texas Property Code, Title 6, Chapter 73: Property Held by Financial Institutions Texas Legislature (Texas Constitution and Statutes, Texas Legislative Council) · statutes.capitol.texas.gov · statutes site states current through the 89th 2nd Called Session, 2025; read Nov. 3, 2026 · checked Nov. 3, 2026

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(c) If the account is a checking or savings account or is a matured certificate of deposit, the account is presumed abandoned if the account has been inactive for at least three years as determined under Subsection (b)(1).
Unclaimed Property 2026 Reporting Instructions (Publication 96-478) Texas Comptroller of Public Accounts · claimittexas.gov · Revised March 2026 · checked Nov. 3, 2026

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Policy proceeds 3 years Chapter 1109 March 1 July 1
Calculate five years from the date the last rental payments expired (i.e., the rental payment then due went unpaid).
UT03 Refunds or rebates 3
Act No. 6999 (Bill No. 27-0161): Virgin Islands Uniform Unclaimed Property Act, 28 V.I.C. ch. 29 (scanned; manual transcription) Legislature of the Virgin Islands (published by the Office of the Lieutenant Governor) · ltg.gov.vi · passed March 19, 2008; approved April 12, 2008 · checked Nov. 3, 2026

Quoted text (10)

(15) all other property, five years after the owner's right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
(5) a demand, savings, or time deposit, including a deposit that is automatically renewable, five years after the earlier of maturity or the date of the last indication by the owner of interest in the property;
(12) wages or other compensation for personal services, one year after the compensation becomes payable;
(3) stock or other equity interest in a business association or financial organization, including a security entitlement under title 11A Virgin Islands Code, Article 8, five years after the earlier of (i) the date of the most recent dividend, stock split, or other distribution unclaimed by the apparent owner, or (ii) the date of the second mailing of a statement of account or other notification or communication that was returned as undeliverable or after the holder discontinued mailings, notifications, or communications to the apparent owner;
(8) amount owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, three years after the obligation to pay arose or, in the case of a policy or annuity payable upon proof of death, three years after the insured has attained, or would have attained if living, the limiting age under the mortality table on which the reserve is based;
(7) gift certificate, three years after December 31 of the year in which the certificate was sold, but if redeemable in merchandise only, the amount abandoned is deemed to be 60 percent of the certificate's face value;
(2) money order, seven years after issuance;
(1) traveler's check, 15 years after issuance;
Tangible property held in a safe deposit box or other safekeeping depository in the Virgin Islands in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, are presumed abandoned if the property remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
(13) deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
Utah Code Title 67 Chapter 4a, Revised Uniform Unclaimed Property Act Utah Legislature · le.utah.gov · current on Nov. 3, 2026, includes 2026 General Session · checked Nov. 3, 2026

Quoted text (10)

property not specified in this section or Sections 67-2a-201.5 through 67-4a-206 , the earlier of three years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
a demand, savings, or time deposit, including a deposit that is automatically renewable, three years after the earlier of maturity or the date of the last indication of interest in the property by the apparent owner
wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, one year after the amount becomes payable;
Subject to Section 67-4a-208 , a security is presumed abandoned three years after:
an amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three years after the obligation to pay arose under the terms of the policy or contract
the unredeemed balance of a stored-value card sold or issued on or after May 8, 2018, three years after the date of the last indication of interest in the property by the apparent owner;
a money order, seven years after issuance;
a traveler's check, 15 years after issuance;
Tangible property held in a safe-deposit box and proceeds from a sale of the property by the holder permitted by law of this state other than this chapter are presumed abandoned if the property remains unclaimed by the apparent owner five years after the earlier of the:
a deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable; and
27 V.S.A. Chapter 18, Unclaimed Property (full chapter) Vermont General Assembly (Vermont Statutes Online, unofficial copy of V.S.A.) · legislature.vermont.gov · includes actions of the 2025 session; read via Internet Archive capture April 29, 2026. 2026 amendments (Act 131: §§1492, 1543, 1553, 1557) are taken from Act 131 · checked Nov. 3, 2026

Quoted text (10)

(13) property not specified in this section or section 1462, 1463, 1464, 1465, 1466, or 1467 of this title, the earlier of three years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
(5) a payroll card or demand, savings, or time deposit, including a deposit that is automatically renewable, three years after the maturity of the deposit, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal;
(11) wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one year after the amount becomes payable;
(a) Subject to section 1469 of this title, a security is presumed abandoned three years after:
(7) an amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three years after the obligation to pay arose under the terms of the policy or contract or, if a policy or contract for which an amount is owed on proof of death has not matured by proof of the death of the insured or annuitant, as follows:
(a) Subject to section 1469 of this title, the net card value of a stored-value card, other than a payroll card, is presumed abandoned on the latest of three years after:
(2) a money order, seven years after issuance;
(1) a traveler’s check, 15 years after issuance;
Tangible property held in a safe-deposit box and proceeds from a sale of the property by the holder permitted by law of this State other than this chapter are presumed abandoned if the property remains unclaimed by the apparent owner five years after the earlier of the:
(12) a deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable; and
Code of Virginia Title 55.1 Chapter 25, Virginia Disposition of Unclaimed Property Act (full chapter) Commonwealth of Virginia, Legislative Information System (Code of Virginia) · law.lis.virginia.gov · Code as published Nov. 3, 2026; includes 2026 c. 669 · checked Nov. 3, 2026

Quoted text (10)

All tangible and intangible property, including any income or increment thereon, less any lawful charges, that is held, issued, or owing in the ordinary course of the holder's business and has remained unclaimed by the owner for more than five years after it became payable is presumed abandoned, except as otherwise provided by this chapter.
Any demand, savings, or matured time deposit with a banking or financial organization, including deposits that are automatically renewable, and any funds paid toward the purchase of shares, a mutual investment certificate, or any other interest in a banking or financial organization is presumed abandoned unless the owner has, within five years:
Unpaid wages, including wages represented by unpresented payroll checks owing in the ordinary course of the holder's business, that have remained unclaimed by the owner for more than one year after such unpaid wages became payable are presumed abandoned.
Any intangible interest in a business association, as evidenced by the stock records or membership records of the association, is presumed abandoned five years after the date of the most recent dividend or other distribution unclaimed by the apparent owner with respect to the stock or other interest or, if a dividend or other distribution has not been paid on the stock or other interest, or the stock or other interest is held pursuant to a plan that provides for the automatic reinvestment of dividends or other distributions, five years after the date of the second mailing of a statement of account or other notification or communication that was returned as undeliverable or five years after the date the holder discontinued the mailings to the apparent owner, whichever occurs earlier.
Funds held or owing under any life or endowment insurance policy or annuity contract that has matured or terminated are presumed abandoned if unclaimed for more than five years after the funds became due and payable as established from the records of the insurance company holding or owing the funds, except that property described in subdivision C 2 is presumed abandoned if unclaimed for more than two years.
Except as described in subsection B, a gift certificate or credit balance issued in the ordinary course of the issuer's business that has remained unclaimed by the owner for more than five years after such gift certificate or credit balance became payable is presumed abandoned.
Except as otherwise provided in this section, any sum payable on a money order or similar written instrument, other than a third-party bank check, that has been outstanding for more than seven years after its issuance is presumed abandoned unless the owner, within seven years, has communicated in writing with the issuer concerning it or otherwise indicated an interest as evidenced by a memorandum or other record on file prepared by an employee of the issuer.
Except as otherwise provided in this section, any sum payable on a traveler's check that has been outstanding for more than 15 years after its issuance is presumed abandoned unless the owner, within 15 years, has communicated in writing with the issuer concerning it or otherwise indicated an interest as evidenced by a memorandum or other record on file prepared by an employee of the issuer.
All tangible and intangible property held in a safe deposit box or any other safekeeping repository in the Commonwealth in the ordinary course of the holder's business and all proceeds resulting from the lawful sale of this property shall be presumed abandoned if unclaimed by the owner for more than five years after the lease or rental period on the box or other repository has expired.
Any deposit, including any interest thereon, made by a subscriber with a utility to secure payment or any sum paid in advance for utility services to be furnished, less any lawful deductions, that remains unclaimed by the owner for more than one year after termination of the services for which the deposit or advance payment was made is presumed abandoned.
Chapter 63.30 RCW – Revised Uniform Unclaimed Property Act Washington State Legislature · app.leg.wa.gov · current RCW as displayed Nov. 3, 2026; official PDF of the chapter "Certified on 7/15/2026"; latest amendments shown are 2025 c 29, none from 2026 · checked Nov. 3, 2026

Quoted text (10)

(17) Property not specified in this section or RCW 63.30.050 through 63.30.100, the earlier of three years after the owner first has a right to demand the property or the obligation to pay or distribute the property arises.
(5) A demand, savings, or time deposit, including a deposit that is automatically renewable, three years after the later of maturity, if applicable, of the deposit or the owner's last indication of interest in the deposit, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal;
(11) Wages, commissions, or bonuses to which an employee is entitled, or other compensation for personal services, one year after the amount becomes payable;
(1) Subject to RCW 63.30.120, a security is presumed abandoned three years after:
(7) An amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated, three years after the obligation to pay arose under the terms of the policy or contract or, if a policy or contract for which an amount is owed on proof of death has not matured by proof of the death of the insured or annuitant, as follows:
(1) Subject to RCW 63.30.120, the net card value of a stored value card, other than a payroll card, is presumed abandoned on the latest of three years after:
(2) A money order, five years after issuance;
(1) A traveler's check, 15 years after issuance;
Tangible property held in a safe deposit box and proceeds from a sale of the property by the holder permitted by law of this state other than this chapter are presumed abandoned if the property remains unclaimed by the apparent owner five years after the earlier of the:
(12) A deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
Final Bill Report SSB 5316 (C 29 L 25) Washington State Legislature · lawfilesext.leg.wa.gov · 2025 · checked Nov. 3, 2026

Quoted text (1)

changing employee reimbursements from a one-year abandonment period to a three- year abandonment period;
W. Va. Code §36-8-2. Presumptions of abandonment. West Virginia Legislature (code.wvlegislature.gov) · code.wvlegislature.gov · current code as published; read Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (9)

(18) All other property, three years after the owner’s right to demand the property or after the obligation to pay or distribute the property arises, whichever first occurs.
(5) A demand, savings, or time deposit, including a deposit that is automatically renewable, five years after the maturity of the deposit, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal;
(12) Wages or other compensation for personal services, one year after the compensation becomes payable;
(3) Stock or other equity interest in a business association or financial organization, including a security entitlement under article eight of the uniform commercial code, five years after the earlier of:
(8) Amount owed by an insurer on a life or endowment insurance policy or an annuity that has matured or terminated, three years after the obligation to pay arose or, in the case of a policy or annuity payable upon proof of death, three years after the insured has attained, or would have attained if living, the limiting age under the mortality table on which the reserve is based;
(7) Gift certificate, three years after December 31, of the year in which the certificate was sold, but if redeemable in merchandise only, the amount abandoned is deemed to be 60 percent of the certificate’s face value;
(2) Money order, seven years after issuance;
(1) Traveler’s check, 15 years after issuance;
(13) Deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable;
W. Va. Code §36-8-3. Contents of safe deposit box or other safekeeping depository. West Virginia Legislature (code.wvlegislature.gov) · code.wvlegislature.gov · current code as published; read Nov. 3, 2026 · checked Nov. 3, 2026

Quoted text (1)

Tangible personal property held in a safe deposit box or other safekeeping depository in this state in the ordinary course of the holder's business and proceeds resulting from the sale of the property permitted by other law, are presumed abandoned if the property remains unclaimed by the owner for more than five years after expiration of the lease or rental period on the box or other depository.
Publication 82, Unclaimed Property Holder Report Guide (07/26) Wisconsin Department of Revenue · revenue.wi.gov · July 2026 (laws as of July 23, 2026) · checked Nov. 3, 2026

Quoted text (7)

MS08 MS09 MS10 ACCOUNTS PAYABLE CREDIT BALS & ACCTS RCVBL DISCOUNTS DUE 5 5 5
AC01 AC02 AC03 CHECKING ACCOUNTS/DDA SAVINGS ACCOUNTS MATURED CERTIFICATES OF DEP 5 5 5
MI09 *MI99 MS01 MINIMUM ROYALTIES AGGREGATE MINERAL INTEREST WAGES 5 5 1
MS18 *MS99 SC01 SUSPENSE LIABILITIES AGGREGATE MISC PROPERTY DIVIDENDS 5 5 3
CK08 CK09 CK10 TRAVELER'S CHECKS FOREIGN EXCHANGE CHECKS EXPENSE CHECKS 15 5 5
SD01 SD02 SD03 SAFE DEPOSIT BOX SAFEKEEPING ITEMS OTHER TANGIBLE PROPERTY 5 5 5
*TR99 UT01 UT02 AGGREGATE TRUST PROPERTY UTILITY DEPOSIT MEMBERSHIP FEES 5 1 5
Wisconsin Statutes ch. 177, Uniform Unclaimed Property Act (Updated 2023-24 Wis. Stats., certified January 30, 2026) Wisconsin Legislature (Legislative Reference Bureau) · docs.legis.wisconsin.gov · archived copy, captured Feb. 17, 2026 (view capture) · checked Nov. 3, 2026

Quoted text (7)

Property not specified in this section or ss. 177.0202 to 177.0209, the earlier of 5 years after the owner first has a right to demand the property or the date on which the obligation to pay or distribute the property arises.
A payroll card or demand, savings, or time deposit, including a deposit that is automatically renewable, 5 years after the later of maturity or the date of the last indication of interest in the property by the apparent owner
Wages, commissions, bonuses, or reimbursements to which an employee is entitled, or other compensation for personal services, other than amounts held in a payroll card, one year after the amount becomes payable.
a security is presumed to be abandoned 3 years after the following
A traveler’s check, 15 years after issuance.
Tangible property held in a safe deposit box and proceeds from a sale of the property by the holder permitted by law of this state other than this chapter are presumed abandoned if the property remains unclaimed by the apparent owner 5 years after the earliest of the following
A deposit or refund owed to a subscriber by a utility, one year after the deposit or refund becomes payable.
Wyoming Statutes Title 34, Chapter 24 - Uniform Unclaimed Property Act (W.S. 34-24-101 through 34-24-140) Wyoming Legislature (Legislative Service Office) · wyoleg.gov · PDF compiled May 8, 2026 (PDF creation date; HTTP Last-Modified Fri, 08 May 2026) · checked Nov. 3, 2026

Quoted text (10)

has remained unclaimed by the owner for more than five (5) years after it became payable or distributable is deemed abandoned.
is deemed abandoned after five (5) years if the location of the owner is unknown
which remain unclaimed by the owner for more than one (1) year after becoming payable are deemed abandoned.
The interest in the association is owned by a person who for more than three (3) years has neither claimed a dividend, distribution or other sum payable as a result of the interest
are deemed abandoned if unclaimed for more than five (5) years after the funds became due and payable
is deemed abandoned if the balance remaining is greater than one hundred dollars ($100.00) and it remains unredeemed for more than five (5) years after the later of its issuance date or the last activity by its owner
any sum payable on a money order that has been outstanding for more than seven (7) years after its issuance is deemed abandoned
any sum payable on a traveler's check that has been outstanding for more than fifteen (15) years after its issuance is deemed abandoned
which remain unclaimed by the owner for more than five (5) years after the lease or rental period on the box or other repository has expired, are deemed abandoned.
remains unclaimed by the owner for more than one (1) year after termination of the services for which the deposit or advance payment was made is deemed abandoned.