Guam Unclaimed Property: How to Search and Claim

How to search for Guam unclaimed property

Guam has no search page we could confirm. Start from the program's official site, doa.guam.gov.⁵

Which names and places to try: how to search well.

Property the territory program does not hold

These official bodies keep their own records, searched separately:

• DOA/Treasurer of Guam 'Unclaimed Checks (not Property)': published lists of unclaimed Government of Guam General Fund checks and income tax refund checks (2024 and prior at DOA Accounting; 2025 at TOG), plus cancelled EIP, All Rise, Advance Child Tax Credit and Prugraman Salappe checks. Contact (671) 475-1101 or [email protected] with subject 'Unclaimed Check'.⁶
• Claims against Guam's autonomous agencies (e.g., Guam Power Authority, Guam Waterworks Authority, University of Guam, Port Authority, GovGuam Retirement Fund) are filed directly with that agency, not the OAG.⁷

How to claim unclaimed property in Guam, step by step

No online claim filing is offered; the OAG form needs an original signature and is filed in duplicate.¹

1. File a Government Claim (Claim Against the Government form) with the Guam Office of the Attorney General.³
2. Complete every item on the form; write N/A or None where something does not apply.¹
3. Attach copies (not originals) of supporting documents; the OAG cannot make copies.⁷
4. File the claim in duplicate: one original and one copy.⁷
5. Sign the declaration under penalty of perjury with an original signature.¹
6. Follow up on the claim's status with the OAG ([email protected]).³
7. Before the money is transferred: if you contact the bank or business that holds it before the January 31 remit deadline, it is returned to you directly and never goes to the Treasurer.⁴

• Notary: Not required: a claim may be sworn before a notary or simply signed under penalty of perjury.⁸
• Interest: No. Funds held by the Treasurer do not accrue interest for the owner.²
• Property of a minor: For estates escheated by court judgment, minors ('infants') and persons of unsound mind may petition within the five-year limit or within one year after the disability ends.⁹
• If a claim is denied: If the claim is rejected (notice by registered or certified mail) or six months pass without a decision, the claimant may sue the government of Guam in the Superior Court of Guam; the suit must be filed within 18 months after the rejection notice, or within 24 months after filing if the claim is never rejected.⁸

The general process is in our how to claim guide.

Documents you need, by situation

These are the official requirements. The claim form for a specific property can ask for more.

Claiming your own property

• Dormant bank account: copy of a bank statement or record showing the account holder's name, account number, address, etc.⁷
• Dormant bank account: a document showing proof of authorized access to the account.⁷
• Any contract or written instrument on which the claim is based.⁸
• General standard: proof satisfactory to the Treasurer of Guam of the claimant's right to the funds.²

The owner has died (estate)

• Heirs and estates: a court-appointed executor or administrator files with a certified copy of the appointment. Money from an estate deposited with the Treasurer of Guam for a distributee becomes government property if not claimed within five years, and is recovered by petition to the court.⁹
• Executor, administrator, guardian or other court-appointed representative: a certified copy of the record of appointment.⁸

Not listed in the official sources we checked: a former address or a name change and a business or government agency. The claim form shows what to send.

See also: claiming for a deceased relative and the claim documents tool.

How long it takes, how you are paid and the deadline

Processing time

• The government has six months to investigate and grant, settle or deny the claim.¹

Deadline

Read Guam's rule carefully: it limits when or how some property can be claimed.

• Effectively one year for transferred bank and association accounts: the statute says there is no statute of limitations, but claims must be initiated under the Claims Act within one (1) year of the date of transfer, and the funds escheat to the government of Guam one year after transfer.²

Contact the Guam unclaimed property office

When property becomes unclaimed: dormancy periods

Wages move faster: 1 year.⁴ More on how this works: what happens after the dormancy period.

Other states: dormancy periods table.

• Minimum amounts: No minimum for reporting (DOA due diligence guide); owner notices are required only for $25 or more (plus all securities and safe deposit boxes). The DOA page table lists 'Aggregate Amount: *Amounts less than $25.00'.¹¹
• Gift cards: Paper gift cards and gift certificates sold on Guam must be valid at least five years; a paper card with no clearly marked issue date cannot expire. Electronic cards cannot expire unless the issue and expiration dates are given on the receipt or available online or by toll-free phone.¹²
• Published lists of owners: Banks (and associations) must publish a 'Notice of Inactive Bank Accounts' in a newspaper of general circulation on November 1 and December 1, listing depositors alphabetically with last known address and stating the funds go to the Treasurer of Guam in January.²

Finder fees and heir finders in Guam

The official sources we checked do not confirm a finder-fee cap for Guam, so none is shown here.

Before signing with a finder, read how finders work.

How to spot Guam unclaimed property scams

Unsure about a letter, text or call? Try the scam check or read how to spot a fake notice.

For businesses: reporting unclaimed property to Guam

• Report due: Two-report process: Holder Notice Report ('Notice of Inactive Bank Accounts') due November 1 and December 1; Holder Remit Report with payment due before January 31.⁴
• Due diligence letters to owners: Before October 1 (for accounts inactive as of June 30), send written notice to owners of property of $25 or more and of all securities and safe deposit boxes, 6-12 months before the property becomes reportable; mail, or email with the owner's consent; a service charge up to the mailing cost, never over $2.00, may be deducted.⁴
• Where to report: doa.guam.gov/… (Holder Report Form: doa.guam.gov/… 29, 2023.pdf)⁴
• File format: Fillable PDF Holder Remit Report (ACC-HLD001, v. Mar-2023) with a notarized affidavit; DOA accepts CD/DVD and zip files, not NAUPA format; negative reports not required. Payment by check to 'Treasurer of Guam' in person at the TOG cashier, by mail, or by EFT/ACH (request by email).¹³

New to this? See who must report. Other states' dates are in the holder reporting deadlines table.

Other rules specific to Guam

• Law: No single unclaimed property act. Guam's 'Unclaimed Property Laws' are: 11 GCA § 106119 (banks: dormant and inactive accounts and unclaimed funds); 11 GCA § 127114 (associations: dormant accounts); 11 GCA § 127115 (unclaimed property of business associations: dividends, securities); 11 GCA § 127116 (property held in a fiduciary capacity); 7 GCA Chapter 35 (escheated estates). Claims: Government Claims Act, 5 GCA Chapter 6. Official text: col.guamcourts.gov/… and /11gc127.pdf¹³
• There is no claim form from the Treasurer: owners recover transferred property by filing a general 'Claim Against the Government' with the Attorney General under the Government Claims Act.¹⁴
• Transferred funds escheat to the government one year after transfer and go to the Housing Trust Fund for the First-time Homeowner Assistance Program (bank accounts) or the Guam Housing Corporation's pilot Housing First program (business-association property).²
• Bank savings accounts go dormant only after 10 years, one of the longest periods in the US, while bank checking accounts go after just 2 years if the depositor cannot be located.²
• A bank may stop paying interest on a savings account after 5 years of inactivity if the passbook has not been presented.²
• Every November 1 and December 1, banks publish names in a newspaper 'Notice of Inactive Bank Accounts'; the money moves to the Treasurer in January, so an owner who answers the notice gets the money straight from the bank.⁴
• The Guam Unclaimed Property Law does not cover real estate or abandoned personal property.⁴
• Older law still on the books: bank deposits untouched for more than twenty years escheat through a court action brought by the Attorney General.⁹

Guam unclaimed property: questions people ask

When is the Guam unclaimed property report due?

Two-report process: Holder Notice Report ('Notice of Inactive Bank Accounts') due November 1 and December 1.⁴ Details above.

Which law governs unclaimed property in Guam?

No single unclaimed property act.¹³

Sources

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

1. Filing a Claim Against the Government / Claim Against the Government (form) Office of the Attorney General of Guam · drive.google.com · Updated 8/2025 · checked Nov. 3, 2026
   Quoted text (4)

   (original signature needed)

   Please be advised that under the Government Claims Act (5 G.C.A., Chapter 6), the government has SIX (06) MONTHS in which to investigate and either grant, settle, or deny your claim.

   (Please complete the form in its entirety. DO NOT leave any portions blank. Write “N/A” or “None” where appropriate.)

   I, ______________________, declare under penalty of perjury that the foregoing is true and correct.

2. 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 (11)

   (o) There shall be no statute of limitations as to claiming dormant bank accounts. All claims against the government of Guam for balances of accounts which have been transferred as inactive or dormant accounts to the government of Guam by any bank must be initiated by a claim against the government of Guam under the Claims Act, within one (1) year of the date of transfer.

   Funds deposited with the Treasurer of Guam pursuant to this section shall not accrue interest.

   Such sums may be claimed at any time by the rightful owner or owners of such sums upon furnishing proof satisfactory to the Treasurer of Guam of their right to such funds.

   (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.

   (e) In the event a bank holds unidentified deposits or other funds for 3 years, the owner of which cannot be determined by the bank, a bank shall transfer the balance of such account to the Treasurer of Guam for the account of the depositor, in the event such depositor is determined at a later date.

   (f) In the event a bank holds unidentified loan payments for 3 years, a bank shall transfer the balances of such account to the Treasurer of Guam for the account of the payor, in the event such payor is later determined.

   (l) Unclaimed funds remaining after completion of the liquidation shall be retained for five (5) years by the Commissioner unless sooner claimed by the owner.

   (3) On November 1 and on December 1, a bank shall publish a notice of inactive accounts in a newspaper of general circulation.

   The Treasurer of Guam shall deposit such funds in the Housing Trust Fund established in Article 10 of Chapter 4, Title 12, Guam Code Annotated.

   (b) In the event a savings account is inactive for 5 years, and the passbook has not been presented for the posting of earned interest during said period, a bank may cease paying interest on such account until advised by the depositor or his representative that the account is active.

3. Unclaimed Property (Escheat) Government of Guam, Department of Administration – Treasurer of Guam · doa.guam.gov · page modified May 6, 2025 (WordPress API) · checked Nov. 3, 2026
   Quoted text (5)

   mail: P.O. Box 7420, Tamuning, GU 96931 ~ Phone: 671-475-1101

   File a Government Claim with the Guam Office of the Attorney General

   Follow up status with OAG

   [email protected]

   590 South Marine Corps Drive, Suite 140, Tamuning, GU

4. 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
   Quoted text (10)

   The law requires businesses to review their books and records annually to determine if they hold any reportable property and provides Guam citizens a single source, the Department of Administration’s Treasurer of Guam, to search for unclaimed property.

   If the property owner contacts the Holder to claim their unclaimed property before the required Holder Remit Report due date of January 31, the property is no longer considered dormant.

   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

   The Holder Notice Report is due November 1 and December 1 of each year.

   Before October 1, Holders must send notices to owners of securities, safe deposit boxes, and property with a value of $25 or more prior to reporting the accounts to the Treasurer of Guam (TOG).

   The TOG has a fillable Holder Report that can be completed and submitted.

   The Holder Notice Report instruct property owners to contact the Holder to claim their unclaimed property before it is escheated to the TOG.

   The Guam Unclaimed Property Law does not address real estate or abandoned personal property.

5. Treasurer of Guam Government of Guam, Department of Administration · doa.guam.gov · page modified Nov. 3, 2026 (WordPress API); announcements 'as of July 2025' · checked Nov. 3, 2026
   Quoted text (3)

   Unclaimed Property (aka Escheat ) Information about Unclaimed Property

   Maryann T. San Nicolas Treasurer of Guam

   Treasurer of Guam Main Office, Tamuning (ITC Bldg) Monday – Friday 8:00 a.m. – 5:00 p.m.

6. Unclaimed Checks Government of Guam, Department of Administration · doa.guam.gov · page modified May 4, 2026 (WordPress API); page date May 2, 2026 · checked Nov. 3, 2026
   Quoted text (1)

   ALL OTHER CHECKS MAY BE AVAILABLE FOR PICK UP AT THE TREASURER OF GUAM 1ST FLOOR OF THE ITC BUILDING

7. Government Claims Office of the Attorney General of Guam · guamattorneygeneral.org · page modified Aug. 12, 2025 (WordPress API) · checked Nov. 3, 2026
   Quoted text (6)

   If you are filing a claim against an autonomous agency, you must file directly with that agency.

   Please provide copies of all documents. We are unable to make copies.

   All claims shall be filed in duplicate (one original and one copy).

   Copy of bank statement or record containing name of account holder, account number, address, etc.

   Document showing proof of authorized access to the account

   Claim Against the Government Form

8. 5 GCA Chapter 6, Government Claims Act Compiler of Laws, Judiciary of Guam · col.guamcourts.gov · COL 6/24/2021 · checked Nov. 3, 2026
   Quoted text (4)

   (2) The claims made may be either sworn to before a Notary Public or signed “under the penalty for perjury” as permitted by the Criminal Code (9 GCA § 52.10(f)(2).

   (b) Every action filed under this Chapter shall be barred unless commenced within 18 months from the time the notice that the claim was rejected was served as provided in Article 2 of this Chapter, or within 24 months after the claim was filed in cases where the government does not reject the claim.

   (d) A copy of any contract or other instrument in writing upon which the claim is based.

   (g) If the claimant is an executor, administrator, guardian, or other representative appointed by a judicial tribunal, a duly certified copy of the record of appointment.

9. 7 GCA Chapter 35, Escheated Estates Compiler of Laws, Judiciary of Guam · col.guamcourts.gov · COL 03/08/2011 · checked Nov. 3, 2026
   Quoted text (4)

   All persons who fail to appear and file their petitions within the time limit are forever barred, saving however, to infants, and persons of unsound mind the right to appear and file their petitions within the time limit or within one year after their respective disabilities cease.

   All moneys or other property distributed in the administration of an estate of a decedent and heretofore or hereafter deposited with the Treasurer of Guam or the Director of Administration, to the credit of a distributee, and any money remaining with the Treasurer of Guam on deposit, to the credit of an estate, after final distribution, shall become the property of the Government of Guam, if not claimed by the person or persons entitled thereto within five years from the date of such deposit.

   Whenever any money in litigation in the court having jurisdiction or other money deposited in connection with such litigation is deposited with the Treasurer of Guam, and five years thereafter it is made to appear to the satisfaction of the court or judge, by affidavit or testimony taken in open court, that said money has not been, and cannot be paid out because the owner thereof cannot be found, the money devolves and escheats to the Government of Guam.

   All amounts of money heretofore or hereafter deposited with any bank authorized to do business in Guam to the credit of depositors who have not made a deposit on said account or withdrawn any part thereof or the interest, and which shall have remained unclaimed for more than twenty years after the date of such deposit,, or withdrawal of any part of principal or interest, and where neither the depositor nor any claimant has filed any notice with such bank showing his or her present residence, shall, with the increase and proceeds thereof, escheat to the Government of Guam.

10. 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
    Quoted text (5)

    (a) Shares or Savings Account. In the event there has been no activity of deposits or withdrawals, and no contact has been made by the holder of a share or savings account with the association for five (5) years, the association shall transfer the balance of such account to the Treasurer of Guam.

    (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

    (b) All tangible and intangible personal property held in a fiduciary capacity for the benefit of another person, including tangible personal property subject to § 127115 of this Chapter, all intangible personal property maintained in a deposit or account, and the income or increment on such tangible or intangible property, shall transfer to the Treasurer of Guam if, for more than three (3) years after it becomes payable or distributable, the owner has not done any of the following:

11. 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 (2)

    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.

    There is no minimum value for reporting unclaimed property.

12. 5 GCA Chapter 32, Trade Practices and Consumer Protection (Article 8 Gift Cards) Compiler of Laws, Judiciary of Guam · col.guamcourts.gov · COL 10/29/2021 · checked Nov. 3, 2026
    Quoted text (1)

    A paper gift card/ gift certificate/ store gift card shall be valid for a period of not less than five (5) years following the date of issue.

13. Holder Remit Report (Form ACC-HLD001) Government of Guam, Department of Administration – Treasurer of Guam · doa.guam.gov · v. Mar-2023 · checked Nov. 3, 2026
    Quoted text (2)

    Make Check Payable to: Treasurer of Guam

    (3) To the best of my knowledge, this report is an accurate and complete account of all property in the Holder's custody which is presumed abandoned under the Unclaimed Property Laws of Guam - 7gca035 (Escheated Estates); 11gca106 §106119 (Dormant and Inactive Accounts and Unclaimed Funds); and, 11gca127 §127115 (Unclaimed Property).

14. Sample Due Diligence Letter Government of Guam, Department of Administration – Treasurer of Guam · doa.guam.gov · file dated March 29, 2023 · checked Nov. 3, 2026
    Quoted text (1)

    If your property is transferred to the TOG, you will be required to file a claim with the Guam Attorney General to recover it, in accordance with the provisions of the Title 5 of the Guam Code Annotated section 6201 et seq.