Kentucky Unclaimed Property: How to Search and Claim

How to search for Kentucky unclaimed property

The official search is at kyclaims.unclaimedproperty.com/en/Property/SearchIndex.¹ The program's information pages are at treasury.ky.gov.¹⁰

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

Fast-track and automatic payments

• The Treasurer may waive the claim form and pay directly for property under $250, if the person is shown as the apparent owner on a holder report and the Treasurer reasonably believes they are entitled. This is discretionary.¹⁵

Kentucky's records can also be searched through MissingMoney.com.¹⁶

How to claim unclaimed property in Kentucky, step by step

Partly online. You can search, add properties to a claims cart, request a claim form and check claim status online, but the claim form must be returned with an original signature (no faxed, scanned or emailed forms).³ Cost: Statute directs a deduction: the Treasurer shall deduct proportionate advertising and operating costs, at least $1, from any allowed claim over $10. Whether and how much is deducted in practice could not be confirmed.¹¹

1. Search free on the Treasury's claim portal (kyclaims.unclaimedproperty.com) or at MissingMoney.com, for yourself, family, your business or employer.⁵
2. If you see your name and can verify the address as your current or former address, request a claim form online.⁵
3. Complete the claim form and sign it. The Treasury needs your original signature: faxed, scanned, photocopied or emailed forms are not accepted.⁵
4. Attach proof: a government-issued photo ID and proof of Social Security number for each signer; proof that you lived at the reported address if it differs from your current one; plus the extra documents for your situation (heir, minor, trust, POA, business).⁴
5. Return the signed form and proof by mail to the Unclaimed Property Division, or bring it in person in Frankfort. Several claims can go in one envelope with one set of proof.⁵
6. Exception: money still held by a bank in an interest-bearing account assigned to the Treasury is claimed in writing from the bank (holder), not the Treasury.⁶
7. The Treasurer must allow or deny the claim within 90 days and give notice of the decision.⁷
8. If denied, you are told why and what evidence is missing. You can file an amended claim or request a hearing.⁷
9. Within 30 days after approval, the property or net sale proceeds are paid, after any debts the law requires be paid first.¹⁷
10. Check claim status online with your ZIP code and claim ID, or by email with your claim number.²

• Interest: Bank-deposit property earns interest at the old account's contract rate while it sits with the holder, but the Treasurer need not credit interest after receiving it. No general provision paying interest on other property held by the Treasurer was found.¹⁸
• Property of a minor: Claim for a minor child: send proof of the minor's SSN and a copy of the birth certificate. The regulation also accepts a guardianship or trust agreement and pays a court-appointed guardian.⁴
• If a claim is denied: Statute: request a written administrative hearing within 1 year after filing the claim. Regulation: within 30 days of denial. The two differ; the 30-day date is the earlier one. Final orders may go to Franklin Circuit Court within 90 days of issuance.¹⁹

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

• Individual: proof of ownership may be one of: driver's license or other government picture ID, a document proving Social Security number, birth certificate, marriage certificate, divorce decree, a financial institution's signature verification card, or a guardianship or trust agreement.⁶
• Marriage certificate or divorce decree: either copy is on the regulation's list of accepted ownership proofs. The regulation does not label them specifically as name-change documents.⁶
• If primary items are unavailable: tax return, adoption records, court records, certificate of deposit, stale-dated checks, public or business records, newspaper articles, family or church records, personal correspondence, or a notarized affidavit from someone else with knowledge of the claim.⁶
• Over $400, checking: a check or statement showing the account number. Savings: passbook copy or correspondence referencing the account number.⁶
• Over $400, court funds: the decree or order for the source case.⁶
• If ownership cannot be proved with the listed items, the Treasury may accept alternative proof.⁶
• All claims (Treasury instructions): government-issued photo ID and proof of SSN for each signer, the completed claim form with original signature, and proof of the reported address if it differs from your current mailing address. If no address was reported, proof of a business relationship with the reporting company before the year reported.⁴
• Lost Social Security card: a W-2, tax return or other official document showing your name and SSN is accepted.⁵
• Trust: copy of the trust, proof of the trust's tax ID number, and the trustee's death certificate if the trustee is deceased.⁴
• Aggregate (unnamed, under $100) property: the holder must send the Treasury a letter with the amount owed, the year reported, the report total and the owner information; the Treasury then sends a claim form.⁵

A former address or a name change

• Former address: documentation connecting you to the reported address or business for the year shown as Date of Last Transaction, if the primary items are unavailable or not applicable.⁶
• Name change: proof such as a marriage certificate, divorce papers or other court documents.⁴

The owner has died (estate)

• Death certificate plus a probate or court document or small estate affidavit. Payment goes to the estate representative or to an heir for distribution to other heirs. The program's small-estate dollar threshold was not found in the sources we read.⁶
• Deceased owner: death certificate plus one of: probate distribution, order appointing an estate administrator, order dispensing with administration, or small estate affidavit.⁶
• Decedent: only the executor/administrator or next of kin may claim. Provide the owner's SSN proof and death certificate. Open estate: a current appointment, received within 60 days of issuance by the court. Closed estate: the appointment and Final Order of Distribution. No estate: staff decide what else is needed.⁴

You are an heir

• Heir, property over $400: final decree of probate, or if intestate, an order dispensing with administration, or an order appointing an administrator plus that administrator's letter allowing release.⁶

A business or government agency

• Over $400, business vendor checks: billing or invoices, bills of lading, correspondence showing the business relationship, or a statement that the funds are still due.⁶
• Business, government agency or other organization: instead of an individual's SSN, give proof of the entity's tax ID number (FEIN/EIN), plus a government photo ID for the person signing.⁴
• Business: written proof of authority to claim (letter of authorization, Secretary of State annual report, corporate resolution or board minutes), Form 851 affiliation schedule, and sale or dissolution papers if applicable. Dissolved businesses also need a Dissolved Business Affidavit from the office.⁴

Securities, safe deposit boxes and other cases

• Over $400, safe deposit box: rental receipt or correspondence referencing the rental.⁶
• Over $400, wages: W-2, tax records, pay stub, or employment correspondence.⁶
• Over $400, securities: stock certificate copy, related correspondence, or broker statement. Bearer bonds and CDs have their own lists.⁶
• Over $400, insurance: policy copy or policy correspondence.⁶
• Cashier's checks: the payee shows proof of identity, unless the purchaser documents a superior claim.⁶
• Minor child: proof of the minor's SSN and a copy of the birth certificate.⁴
• Power of attorney, guardian or conservator: owner's SSN proof and a copy of the POA agreement or appointment.⁴
• Joint owners must file together; if not possible, send supporting documents such as the joint owner's death certificate, a divorce property settlement, a quit-claim deed or a letter of release.⁵

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

• Decision within 90 days of filing. No action within 90 days means the claim is deemed denied. Payment within 30 days after allowance.⁷

How you are paid

Kentucky pays by check and does not offer direct deposit, so keep the mailing address on your claim current.

• Paper check mailed to the address on the claim form; no direct deposit. Approved securities are transferred electronically to an account in the owner's name, and any unpaid cash or dividends are paid by check. Payment can go to the owner, an estate representative, a guardian or an heir.⁵

Deadline

Owners and heirs in Kentucky generally have no deadline, but the rule has exceptions.

• No time limit: the Treasury says unclaimed property is always available to the owner. Property is held in custody for the owner; if sold, net proceeds are paid. Separate rules apply to US savings bonds (KRS 393.022) and workers' compensation assessment refunds (KRS 393.063).⁵

Contact the Kentucky unclaimed property office

When property becomes unclaimed: dormancy periods

In Kentucky most property is presumed abandoned after 3 years without owner contact.¹⁸ Wages move faster: 1 year.¹⁸ More on how this works: what happens after the dormancy period.

Other states: dormancy periods table.

• Minimum amounts: No general minimum. Items under $50 may be reported in the aggregate without owner name and address. Unpaid wages of $50 or less are exempt.³²
• Gift cards: Gift cards are excluded from reportable property. A gift card is a stored-value card whose value does not expire, that can only be redeemed for goods or services, and that cannot be converted to money unless law requires. Loyalty cards, in-store return credits and game-related digital content are also excluded.³³
• Published lists of owners: Newspaper notice not required. The Treasurer must keep a public searchable website or database, and may use other media. Regulation: department notifies by website posting and may add newspaper notice or individual contact.³⁴

Finder fees and heir finders in Kentucky

The legal limit in Kentucky: 10% of the value of the property collected.⁹ Among the flat caps in our finder-fee comparison, 1 is lower and 11 are higher.

• Are finders allowed? Yes, within limits. An agreement is void if made from the date of presumed abandonment until 24 months after delivery to the state, except an owner's agreement with an attorney to file a claim on identified property or contest a denial.⁹
• Contract rules: Must be written and signed by the apparent owner, state the property and services, and state the value before and after the fee. Unconscionable pay can be reduced in court. Ads, letters and agreements must disclose the 24-month and 10% rules. The Treasury also requires a notarized contract with parties' names, addresses and SSN or FEIN, the owner's notarized affidavit that the finder explained the property may be claimed free, and the same proof the owner would submit.⁹
• The law: KRS 393.117; also KRS 393A.760 (agents) and 20 KAR 1:040, Section 2(5)⁹ (read the text)

Before signing with a finder, read how finders work.

How to spot Kentucky unclaimed property scams

Kentucky's official search is not on a .gov address: it is kyclaims.unclaimedproperty.com,¹ linked from the program's site treasury.ky.gov.¹⁰ Reach it from the program's own pages rather than from an ad or a message.

What Kentucky warns about

• Finders must have the owner swear that the finder explained the property may be claimed without a fee.⁶
• The Treasury may contact the owner directly to confirm they know the full amount involved.⁶
• The Unclaimed Property Division will never ask for your credit card or banking information; search free at MissingMoney.com or call (800) 465-4722.¹⁶
• Do not pay anyone to tell you how to find unclaimed property; paid sites usually just send you to the state's free search.⁵
• A fee finder is not needed to claim your property; try to find it yourself before signing a contract.⁵
• Fake letters on NAUPA letterhead asking for money to release unclaimed property are fraud; NAUPA does not notify owners.¹⁶

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

Kentucky unclaimed property in numbers

For businesses: reporting unclaimed property to Kentucky

• Report due: By November 1 for the 12 months ending June 30. Insurance companies: before May 1 for the prior calendar year. Statute says 'before November 1'; the regulation says no later than close of business November 1, so file early. A holder may ask for an extension before the due date; the Treasurer may grant one, and a partial payment stops interest on the amount paid.³⁵
• Due diligence letters to owners: First-class mail notice 60 to 180 days before filing, for property of $50 or more with a usable address, plus email if the owner consented to email.³⁶
• Where to report: kyholder.unclaimedproperty.com/Account/Login³⁷
• File format: Electronic filing through the portal, payment with the report. No report is required if the holder has no presumed-abandoned property. Safe deposit contents are delivered no sooner than 120 days after the report, with 5 business days' notice of delivery.³⁸
• Penalties: Late: interest at the KRS 131.183 tax rate plus up to $200 a day, maximum $5,000. Willful failure, evasion, or fraudulent or deficient reports: up to $1,000 a day, maximum $25,000, plus 25% of the property. The deficient-report wording took effect July 15, 2026.³⁹
• Voluntary disclosure: No named voluntary disclosure program found in the law we read; the holder handbook could not be read. The Treasurer may waive interest and penalties, and shall waive the KRS 393A.730(2) penalty for good faith without negligence.⁴¹

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

Other rules specific to Kentucky

• Law: KRS Chapter 393A (Revised Uniform Unclaimed Property Act), with KRS Chapter 393 (Escheats) and regulations at 20 KAR Chapter 1. apps.legislature.ky.gov/…⁴²
• Uniform act: Revised Uniform Unclaimed Property Act⁴³
• Bank deposits stay with the bank longer: after the 3-year presumption they move to an interest-bearing account at the holder, and reach the Treasurer after 10 more years or on actual abandonment. Claims on those accounts go to the bank.¹⁸
• These accounts earn the old account's contract rate, and holder fees cannot reduce them after the presumption date.⁴⁴
• Your claim can be reduced by child support arrears, certain fines and restitution, or delinquent state or local taxes, and you are notified of the payment.¹⁷
• Fourth week of September is Unclaimed Property Week, created by 2026 Ky. Acts ch. 78.⁴⁵
• US savings bonds can permanently escheat to Kentucky: 3 years after presumed abandonment, through a Franklin Circuit Court action. After judgment, payment to a requester is at the Treasurer's discretion.³⁰
• Virtual currency is liquidated by the holder within 90 days before reporting. The owner gets no later gains.⁴⁶
• Military medals and decorations cannot be sold, and can be placed with veterans groups, the awarding agency, a governmental entity, or the Kentucky Historical Society or an approved museum or historical society.⁴⁷
• Safe deposit contents are kept in the Treasury vault and inventoried by category, including firearms, jewelry, military items, stamps and wills. Tangible items can be auctioned after 3 years, and owners are credited the proceeds.⁴⁸
• Sold securities: claims after the 3-year period get the securities if still held, or net sale proceeds, with no later appreciation. An owner can ask for an earlier sale.⁴⁹
• If you claim from the holder between July 1 and August 1, the holder does not report the property. Between August 1 and January 1, the holder certifies the return to the Treasury.⁵⁰
• Before paying a claim a holder must ask the Treasury about competing claims; the Treasury answers within 10 business days.⁶
• Budget: $2,086,600 in FY2026-27 and $2,058,600 in FY2027-28 from the Unclaimed Property Fund pays for the Division's services. This is the operating budget, not the amount held.⁵¹
• A person not known to be living for 7 successive years, whose heirs cannot be located, is presumed to have died without heirs.⁵²
• Claims up to $4,999.99 need approval by two Treasurer-designated Treasury employees; claims above $4,999.99 need three.⁶
• A holder that receives a claim may send the claimant to the Treasury instead of paying it.⁶
• Kentucky's unclaimed property law (KRS Chapter 393A) does not cover: property from foreign transactions held in a foreign country; money owed to or held by 501(c)(3) nonprofits; fuel minerals and mineral proceeds; wages of $50 or less unclaimed for 1 year (unless on a payroll card); jail inmate and canteen accounts; or lawyer IOLTA trust accounts.⁵³
• The Treasury runs a booth at the Kentucky State Fair every year, where people can search the database and start claims.⁵
• The Treasury matches owner names and tax ID numbers against other databases and mails claim forms unprompted to owners it locates.⁵
• Dollar amounts are released only on the official claim form; MissingMoney.com shows only whether most properties are over or under $100.⁵
• Kentucky does not issue 1099s for returned property.⁵
• Dividends and stock splits that occur while securities are held by the state are added to the owner's property.⁵
• Negative (zero) reports are no longer required from holders in Kentucky.²¹

Kentucky unclaimed property: questions people ask

Is it free to claim unclaimed property in Kentucky?

Statute directs a deduction: the Treasurer shall deduct proportionate advertising and operating costs, at least $1, from any allowed claim over $10.¹¹

When is the Kentucky unclaimed property report due?

By November 1 for the 12 months ending June 30.³⁵ Details above.

Which law governs unclaimed property in Kentucky?

KRS Chapter 393A (Revised Uniform Unclaimed Property Act), with KRS Chapter 393 (Escheats) and regulations at 20 KAR Chapter 1. apps.legislature.ky.gov/…⁴²

Where do I search for Kentucky unclaimed property?

On the official search at kyclaims.unclaimedproperty.com.¹

How long does a Kentucky unclaimed property claim take?

Decision within 90 days of filing.⁷ Details above.

What is the Kentucky unclaimed property phone number?

(800) 465-4722.¹ Hours: 8 a.m. to 4:30 p.m., Monday through Friday (State Treasury regular office hours)²²

What is the Kentucky unclaimed property mailing address?

Kentucky Office of State Treasurer, Unclaimed Property Division, 1050 US Highway 127 South, Suite 100, Frankfort, Kentucky 40601¹⁰

Is the Kentucky unclaimed property site legitimate?

Yes, if it is kyclaims.unclaimedproperty.com:¹ the program is run by the Kentucky State Treasury, Unclaimed Property Division.¹² What the program warns about.

Moved? Neighboring programs

• Illinois unclaimed property
• Indiana unclaimed property
• Ohio unclaimed property
• West Virginia unclaimed property
• Virginia unclaimed property
• Tennessee unclaimed property
• Missouri unclaimed property

See which state holds your property, or list every search with the multi-state checklist.

Sources

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

1. Contact Unclaimed Property (Kentucky State Treasury) Kentucky State Treasury, Unclaimed Property Division · treasury.ky.gov · archived copy, captured Sept. 21, 2026 (view capture) · checked Nov. 3, 2026
   Quoted text (3)

   Unclaimed Property Search

   If assistance is needed during business hours, please dial 800-465-4722.

   Monday through Friday from 8:00am ET to 4:30pm ET

2. Unclaimed Property Search - Mark H. Metcalf (Kentucky State Treasury claims portal) Kentucky State Treasury (portal operated for the Treasury; linked from treasury.ky.gov) · kyclaims.unclaimedproperty.com · checked Nov. 3, 2026
   Quoted text (2)

   Use this free tool to see if you have unclaimed property. If you do, you could claim your cash in four easy steps!

   Please enter the zip code of the Claimant and the Claim ID.

3. Unclaimed Property Home (Kentucky State Treasury claims portal) Kentucky State Treasury (portal operated for the Treasury; linked from treasury.ky.gov) · kyclaims.unclaimedproperty.com · checked Nov. 3, 2026
   Quoted text (2)

   There is no charge for this service!

   Check the Status of a Previously Filed Claim

4. Claim Requirements for ALL Claims (Claim Instruction - Required Evidence) Kentucky Office of the State Treasurer · treasury.ky.gov · archived copy, captured March 5, 2025 (view capture) · checked Nov. 3, 2026
   Quoted text (13)

   Faxed, Scanned, or Photocopied Signatures will NOT be accepted.

   Claims are evaluated in the order received; processing times may vary, but most claims are evaluated within 90 days.

   **Please note, we must have your Original Signature on the returned Claim Form.

   A copy of a government-issued photo ID for person(s) signing the claim form.

   Proof of the Minor’s SSN.

   Claim Requirements for ALL Claims

   Proof of Trust’s Tax-Id Number.

   If your name has changed, provide proof of the name change (ex. marriage certificate, divorce papers, other court documents).

   YOU MUST BE THE EXECUTOR/ADMINISTRATOR OR NEXT OF KIN TO CLAIM FOR A DECEDENT.

   If you are claiming on behalf of a business, gov’t agency, or other such organization, provide proof of the tax-id number (FEIN, EIN) for the entity.

   Written proof that you are entitled to claim for the business or entity.

   Copy of the Minor’s birth certificate.

   Copy of the POA Agreement or copy of Guardian/Conservator Appointment.

5. Unclaimed Property FAQs (Kentucky State Treasury) Kentucky State Treasury, Unclaimed Property Division · treasury.ky.gov · archived copy, captured Sept. 21, 2026 (view capture) · checked Nov. 3, 2026
   Quoted text (20)

   No, we cannot direct deposit funds.

   No. Unclaimed property is always available to the owner.

   Additionally, our database is available to search free of charge at www.missingmoney.com.

   Conduct your free search at www.missingmoney.com.

   If you see your name and can verify the address as your current or former address, request a claim form online through www.missingmoney.com.

   No. We do not accept faxed or emailed claim forms.

   Yes. You may submit all the claim forms in one envelope.

   You may provide a copy of a W-2, tax return, or another official document that shows your name and Social Security N umber.

   In order to claim funds that are part of an aggregate sum, the Holder will need to send us a statement/letter with the following information: the dollar amount owed to you, the year it was reported, the total amount of their report on which it was included, the amount of the aggregate account, and the owner information.

   Joint owners must file together.

   For an update on your claim or to check the status of our current backlog, you may contact us by email at [email protected].

   The Unclaimed Property Office sees visitors Monday-Friday from 8 AM to 4 PM.

   A check will not be issued immediately if you visit the Kentucky Treasury.

   You should not pay anyone any amount of money to tell you how to find unclaimed property.

   A fee finder service is not needed to claim your property.

   The Treasury annually hosts a booth at the Kentucky State Fair where you can search our database, initiate claims, and learn more about unclaimed property.

   When our staff identifies a potential new address for an unclaimed property owner, we mail a claim form to the possible owner.

   For most accounts, www.missingmoney.com will show if a property is over or under $100.

   The Commonwealth of Kentucky does not issue 1099s.

   Any dividends or transactions that occurred while in the account of the state will be added to your property.

6. 20 KAR 1:040 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:040. 21 Ky.R. 682; 1280; eff. 10-12-1994; 26 Ky.R. 409; 790; 987; eff. 11- 15-1999; 30 Ky.R. 1580; 2012; eff. 3-18-2004; Crt eff. 6-12-2019; Crt to Am 4-15-2026; Am due 10-15-2027; 52 Ky.R. 2103, 479; eff. 9-15-2026.) · checked Nov. 3, 2026
   Quoted text (24)

   In the name of, and mailed to, the established owner; or

   A claim for unclaimed property held in an interest-bearing demand, savings, or time deposit held in an account assignable to the Department of the Treasury under KRS 393A.040(5)(a) shall be filed in writing with the holder of the unclaimed property.

   Copy of guardianship or trust agreement.

   Documentation to prove ownership may consist of one (1) of the following:

   (e) Copy of marriage certificate; (f) Copy of divorce decree;

   A notarized affidavit executed by an individual other than the claimant having knowledge of a claim.

   A statement on that account which contains the account number;

   For court funds, a copy of the court decree or court order for the case that was the source of the funds, including but not limited to:

   For a claim where ownership cannot be established by proof as required by paragraphs (a) through (l) of this subsection, the Department of the Treasury may accept alternative proof to establish ownership.

   Copy of documentation providing a connection with the reported address or business for the year cited as the "Date of Last Transaction" in the holder's report;

   To the executor, executrix, administrator, administratrix of the estate or personal representative; the court appointed guardian; or to an heir for distribution to other heirs, if any.

   If the owner of the property is deceased, a copy of death certificate and one (1) of the following:

   Final decree of probate; or

   Bills of lading;

   A copy of the safe deposit box rental receipt; or

   A W-2 form;

   A statement from the broker showing ownership of that stock;

   Correspondence relating to that policy;

   For cashier's checks, the payee shall tender proof of identity as the owner, unless the purchaser submits sufficient documentation to prove a superior claim; or

   A notarized affidavit from the claimant stipulating that the finder or agent has explained to the claimant the law on unclaimed properties and that unclaimed property due the claimant may be claimed without a fee, free and simple; and

   The Department of the Treasury may contact the owner or claimant to verify that the owner or the claimant is aware of the full amount of unclaimed property involved.

   The Department of the Treasury shall respond to the holder in writing within ten (10) business days of receipt of the inquiry indicating whether another claim has been paid out for the property at issue or whether there is a competing claim pending.

   Payment of claims valued at $4,999.99 and below shall be authorized upon review of documentation submitted by the claimant and approval by two (2) Treasurer-designated Department of the Treasury employees.

   If a claim for unclaimed property is made to a holder, the holder may direct the claimant to the Department of the Treasury for review and payment of the claim.

7. KRS 393A.520 When administrator must honor claim for property. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
   Quoted text (3)

   If the administrator does not take action on a claim during the ninety (90) day period following the filing of a claim under KRS 393A.510(1), the claim shall be deemed denied.

   Not later than ninety (90) days after a claim is filed under KRS 393A.510(1), the administrator shall allow or deny the claim and give the claimant notice in a record of the decision.

   The claimant may file an amended claim with the administrator or request an administrative hearing under KRS 393A.540; and

8. KRS 393A.480 Administrator holds property as custodian for owner. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
   Quoted text (1)

   Property received by the administrator under this chapter shall be held in custody for the benefit of the owner and shall not be owned by the state.

9. KRS 393.117 Conditions governing enforceability of agreements to locate property Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 15, 1998 · checked Nov. 3, 2026
   Quoted text (4)

   The agreement provides that the fee or compensation agreed upon is an amount not more than ten percent (10%) of the value of the property collected;

   An agreement by an owner, the primary purpose of which is to locate, deliver, recover, or assist in the recovery of property that is presumed abandoned, is void and unenforceable if it was entered into during the period commencing on the date that the property was presumed abandoned and extending to a time that is twenty-four (24) months after the date that the property is paid or delivered to the department.

   An advertisement, a written communication, or an agreement concerning the location, delivery, recover, or assistance in the recovery of property reported under this chapter shall contain a provision stating that, by law, any contract provision requiring the payment of a fee for finding property that has been held by the administrator for less than twenty-four (24) months is void and not enforceable, and that fees are limited to an amount not more than ten percent (10%) of the value of the property collected.

   393.117 Conditions governing enforceability of agreements to locate property presumed abandoned.

10. Kentucky state page, NAUPA reporting directory National Association of Unclaimed Property Administrators · unclaimed.org · checked Nov. 3, 2026
    Quoted text (3)

    Office phone: (502) 564-4722

    Unclaimed Property website: https://treasury.ky.gov/unclaimedproperty

    1050 US Highway 127 South, Suite 100 Frankfort, Kentucky 40601

11. KRS 393A.470 Expenses and service charges of administrator. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    In addition to any expenses in subsection (1) of this section, the administrator shall deduct the proportionate costs of advertisement and operations from the amount of any claim allowed in an amount greater than ten dollars ($10).

12. 20 KAR 1:020 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:020. 21 Ky.R. 681, 1280; eff. 10-12-1994; Crt eff. 6-12-2019; Crt to Am 4- 15-2026; Am due 10-15-2027; 52 Ky.R. 2100; eff. 9-15-2026.) · checked Nov. 3, 2026
    Quoted text (1)

    Kentucky State Treasurer’s Office Unclaimed Property Division

13. About Unclaimed Property (Kentucky State Treasury) Kentucky State Treasury, Unclaimed Property Division · treasury.ky.gov · archived copy, captured Oct. 25, 2026 (view capture) · checked Nov. 3, 2026
    Quoted text (1)

    The Unclaimed Property fund contains assets with a total value of nearly 1.1 billion dollars.

14. Kentucky Holder Reporting portal home Kentucky State Treasurer, Unclaimed Property Division · kyholder.unclaimedproperty.com · portal version 2.1.9610.33655-2e0bca14 · checked Nov. 3, 2026
    Quoted text (1)

    For additional information on Kentucky’s Unclaimed Property program, visit www.treasury.ky.gov.

15. KRS 393A.510 Claim for property by person claiming to be owner. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    The property has a value of less than two hundred fifty dollars ($250).

16. Unclaimed Property Scam Notices (Kentucky State Treasury) Kentucky State Treasury, Unclaimed Property Division · treasury.ky.gov · archived copy, captured Sept. 21, 2026 (view capture) · checked Nov. 3, 2026
    Quoted text (3)

    Our partner website, www.missingmoney.com, is available for you to search for unclaimed property at any time free of charge.

    The Kentucky State Tre asury Unclaimed Property Division will never request your credit card or banking information.

    This particularly deceptive message is on fake NAUPA letterhead and requests money be sent to claim the property.

17. KRS 393A.530 Allowance of claim for property. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (2)

    Not later than thirty (30) days after a claim is allowed under KRS 393A.520(2), the administrator shall pay or deliver to the owner the property or pay to the owner the net proceeds of a sale of the property.

    Before delivery or payment to an owner under subsection (1) of this section of property or payment to the owner of net proceeds of a sale of the property, the administrator first shall apply the property or net proceeds to a debt under subsection (2) of this section the administrator determines is owed by the owner.

18. 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 (17)

    The administrator shall not be required to credit interest on any property described in this subsection after the property is received under paragraph (d) of this subsection;

    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.

    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;

    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:

    Property described in this subsection deposited and not claimed ten (10) years after it is presumed abandoned, or upon actual abandonment, shall be paid to the administrator upon whichever abandonment occurs first; and

    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:

    Property payable or distributable in the course of a demutualization of an insurance company, three (3) years after the earlier of the last contact with the policyholder, or the date the property became payable or distributable;

    A traveler's check, fifteen (15) years after issuance;

    A money order, seven (7) 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

    Property held by a government or governmental subdivision, agency, or instrumentality, including municipal bond interest and unredeemed principal under the administration of a paying agent or indenture trustee, one (1) year after the property becomes distributable;

    Property held by a court, including property received as proceeds of a class action, may be paid to the administrator one (1) year after the property becomes distributable, but shall be paid to the administrator no later than five (5) years after the property becomes distributable;

    Property distributable by a business association in the course of dissolution, one (1) year after the property becomes distributable;

    Money or a credit owed to a customer as a result of a retail business transaction, other than in-store credit for returned merchandise, three (3) years after the obligation arose;

    A debt of a business association, three (3) years after the obligation to pay arises;

    A state or municipal bond, bearer bond, or original-issue-discount bond, three (3) years after the earliest of the date the bond matures or is called or the obligation to pay the principal of the bond arises;

    Property held in an interest-bearing, demand, savings, or time deposit account shall, from the time it is presumed abandoned under this chapter, be placed by the holder in an interest-bearing account made assignable to the administrator;

19. KRS 393A.540 Filing a claim under KRS 393A.510 -- Request for administrative Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (2)

    Not later than one (1) year after filing a claim under KRS 393A.510(1), the claimant may request in writing an administrative hearing, to be conducted in accordance with KRS Chapter 13B.

    Pursuant to KRS 393A.690 any final order issued by the Treasurer may be appealed to the Franklin Circuit Court within ninety (90) days after issuance.

20. 20 KAR 1:070 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:070. 21 Ky.R. 686; 1283; eff. 10-12-1994; 26 Ky.R. 411; 989; eff. 11-15- 1999; Crt eff. 6-12-2019; Crt to Am 4-15-2026; Am due 10-27-2027; 52 Ky.R. 2110; eff. 9- 15-2026.) · checked Nov. 3, 2026
    Quoted text (2)

    A claimant of unclaimed property whose claim is denied by the department may appeal the denial and request in writing an administrative hearing within thirty (30) days of the denial.

    MARK H. METCALF, Kentucky State Treasurer

21. Report Unclaimed Property (Kentucky State Treasury) Kentucky State Treasury, Unclaimed Property Division · treasury.ky.gov · archived copy, captured Sept. 21, 2026 (view capture) · checked Nov. 3, 2026
    Quoted text (3)

    Contact Email: [email protected]

    All reports must be filed using this portal.

    Negative reporting is no longer required in Kentucky.

22. 20 KAR 1:010 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:010. 12 Ky.R. 1193; eff. 2-4-1986; 21 Ky.R. 61; 911; eff. 9-12-1994; TAm eff. 8-14-2018; Crt eff. 6-12-2019; Crt eff. 5-20-2026.) · checked Nov. 3, 2026
    Quoted text (2)

    The principal office location for the State Treasury is 1050 US Hwy 127 South, Suite 100, Frankfort, Kentucky 40601.

    Regular office hours are 8 a.m. to 4:30 p.m., Monday through Friday, prevailing time in Frankfort, Kentucky.

23. 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:

24. 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:

25. KRS 393.080 Presumption of abandonment of security deposit or public utility refund. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective June 24, 2003 · checked Nov. 3, 2026
    Quoted text (2)

    Except as provided in KRS 272.291, any sum which a public utility has been ordered to refund and which was received for utility services rendered in this state, together with any interest thereon, less any lawful deductions, that has remained unclaimed by the person appearing on the records of the utility entitled thereto for more than three (3) years after the date it became payable in accordance with the final determination or order providing for the refund.

    Any deposit of money, stocks, bonds, or other credits made to secure payment for services rendered or to be rendered, or to guarantee the performance of services or duties, or to protect against damage or harm, and the increments thereof, unless claimed by the person entitled thereto within three (3) years after the occurrence of the event that would obligate the holder or depository to return it or its equivalent.

26. 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:

27. KRS 393A.050 When tax-deferred retirement account 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, property held in a pension account or retirement account that qualifies for tax deferral under the income-tax laws of the United States shall be presumed abandoned if it is unclaimed by the apparent owner three (3) years after the later of:

28. KRS 393A.060 When other tax-deferred account 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 and except for property described in KRS 393A.050 and property held in a plan described in 26 U.S.C. sec. 529A, property held in an account or plan, including a health savings account, that qualifies for tax deferral under the income-tax laws of the United States shall be presumed abandoned if it is unclaimed by the apparent owner three (3) years after the earlier of:

29. KRS 393A.070 When custodial account for minor 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, property held in an account established under the Uniform Transfers to Minors Act, KRS 385.012 to 385.242, shall be presumed abandoned if it is unclaimed by or on behalf of the minor on whose behalf the account was opened three (3) years after the later of:

30. KRS 393.022 Escheat of United States savings bonds to Commonwealth. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective April 10, 2014 · checked Nov. 3, 2026
    Quoted text (2)

    The United States savings bond has remained unclaimed and unredeemed for three (3) years after final maturity.

    After a judgment of escheat has been entered pursuant to subsection (8) of this section, the Treasurer or his or her designee may, at his or her discretion, make full or partial payment of requests for the proceeds of United States savings bonds to persons to whom, in the opinion of the Treasurer or his or her designee, the Commonwealth should in fairness and equity allow payment.

31. KRS 393.068 Presumption of abandonment of personal property held by federal Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective April 10, 2014 · checked Nov. 3, 2026
    Quoted text (1)

    All tangible personal property or intangible personal property, including choses in action in amounts certain, and all debts owed or entrusted funds or other property held by the federal government or any federal agency, or any officer, or appointee thereof, shall be presumed abandoned in this state if the last known address of the owner of the property is in this state and the property has remained unclaimed for three (3) years.

32. KRS 393A.230 Content of report. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    A report under KRS 393A.220 may include in the aggregate items valued under fifty dollars ($50) each.

33. KRS 393A.010 Definitions for chapter. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    (a) Means a stored-value card:

34. KRS 393A.290 Notice by administrator. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    Not be required to use newspaper publication to provide notice; and

35. KRS 393A.240 When report to be filed. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    Except as otherwise provided in subsection (2) of this section, and subject to subsection (3) of this section, the report under KRS 393A.220 shall be filed before November 1 of each year and cover the twelve (12) months preceding July 1 of that year.

36. KRS 393A.270 Notice to apparent owner by holder. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    Subject to subsection (2) of this section, the holder of property presumed abandoned shall send to the apparent owner notice by first-class United States mail that complies with KRS 393A.280 in a format acceptable to the administrator not more than one hundred eighty (180) days nor less than sixty (60) days before filing the report under KRS 393A.220 if:

37. 20 KAR 1:080 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:080. 26 Ky.R. 491; 989; eff. 11-15-1999; 30 Ky.R. 1582; 2014; eff. 3-18- 2004; 33 Ky.R. 190; 718; eff. 10-6-2006; Crt eff. 6-12-2019; Crt to Am 4-15-2026; Am due 10-15-2027; 52 Ky.R. 2111, 483; eff. 9-15-2026.) · checked Nov. 3, 2026
    Quoted text (1)

    Holders are required to submit their report by electronic submission through the designated online portal in the format required by the department at https://kyholder.unclaimedproperty.com/Account/Login.

38. KRS 393A.220 Report required by holder. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    A holder shall not be required to file a report if the holder has no property that is presumed abandoned.

39. KRS 393A.730 Interest and penalty for failure to act in timely manner. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    Except as otherwise provided in KRS 393A.740 or 393A.750, the administrator may require a holder that fails to report, pay, or deliver property within the time prescribed by this chapter to pay to the administrator, in addition to interest included under subsection (1) of this section, a civil penalty of two hundred dollars ($200) for each day the duty is not performed, up to a cumulative maximum amount of five thousand dollars ($5,000).

40. KRS 393A.740 Other civil penalties. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 15, 2026 · checked Nov. 3, 2026
    Quoted text (1)

    If a holder makes a fraudulent report or files a report which fails to provide all necessary information in their possession under this chapter, the administrator may require the holder to pay to the administrator, in addition to interest under KRS 393A.730, a civil penalty of one thousand dollars ($1,000) for each day from the date the report was made until corrected, up to a cumulative maximum of twenty- five thousand dollars ($25,000), plus twenty-five percent (25%) of the amount or value of any property that should have been reported but was not included in the report or was underreported.

41. KRS 393A.750 Waiver of interest and penalty. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    Shall waive a penalty under KRS 393A.730(2) if the administrator determines that the holder acted in good faith and without negligence.

42. Kentucky Revised Statutes, list of chapters Kentucky Legislative Research Commission · apps.legislature.ky.gov · checked Nov. 3, 2026
    Quoted text (1)

    CHAPTER 393A REVISED UNIFORM UNCLAIMED PROPERTY ACT

43. KRS 393A.840 Uniformity of application and construction. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    In applying and construing this chapter, consideration shall be given to the need to promote uniformity of the law with respect to its subject matter among states that enact the Revised Uniform Unclaimed Property Act.

44. 20 KAR 1:090 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:090. 28 Ky.R. 994; 1344; eff. 12-19-2001; 30 Ky.R. 1583; 2015; eff. 3-18- 2004; Crt eff. 6-12-2019; Crt to Am 4-15-2026; Am due 10-15-2027; 52 Ky.R. 2114; eff. 9- 15-2026.) · checked Nov. 3, 2026
    Quoted text (1)

    All accumulated interest shall remit with the account, and the account shall not be reduced by fees or charges assessed by the holder from and after the date the property was presumed abandoned.

45. 2026 Ky. Acts ch. 78 (HB 456), relating to the State Treasurer and unclaimed property Kentucky Legislative Research Commission · apps.legislature.ky.gov · signed by Governor April 10, 2026 · checked Nov. 3, 2026
    Quoted text (1)

    The fourth week of September of each year is designated as Unclaimed Property Week.

46. KRS 393A.330 Payment or delivery of property to administrator. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective June 27, 2019 · checked Nov. 3, 2026
    Quoted text (1)

    The owner shall not have recourse against the holder or the administrator to recover any gain in value that occurs after the liquidation of the virtual currency under this subsection.

47. KRS 393A.440 Military medal or decoration. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    The administrator shall not sell a medal or decoration awarded for military service in the Armed Forces of the United States.

48. 20 KAR 1:060 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:060. 21 Ky.R. 685; 1282; eff. 10-12-1994; Crt eff. 6-12-2019; Crt to Am 4- 15-2026; Am due 10-15-2027; 52 Ky.R. 2107, 481; eff. 9-15-2026.) · checked Nov. 3, 2026
    Quoted text (1)

    Tangible property shall be retained for a period of three (3) years and then may be put to public auction, pursuant to KRS Chapter 393A, and proceeds, less costs, paid to the state.

49. KRS 393A.420 Recovery of securities or value by owner. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 14, 2018 · checked Nov. 3, 2026
    Quoted text (1)

    A person making a claim under this chapter after the expiration of the three (3) year period shall be entitled to receive the securities delivered to the administrator by the holder, if the securities remain in the custody of the administrator, or the net proceeds received from the sale, and shall not be entitled to receive any appreciation in the value of the property occurring after the delivery to the administrator.

50. 20 KAR 1:030 (engrossed text) Kentucky Legislative Research Commission · apps.legislature.ky.gov · (020 KAR 001:030. 21 Ky.R. 682; 1280; eff. 10-12-1994; Crt eff. 6-12-2019; Crt to Am 4- 15-2026; Am due 10-15-2027; 52 Ky.R. 2101, 479; eff. 9-15-2026.) · checked Nov. 3, 2026
    Quoted text (1)

    If the rightful owner of unclaimed property claims his or her property between July 1 and August 1, the holder shall not report the property because the presumption of abandonment as of July 1 no longer exists.

51. 2026-2028 Budget of the Commonwealth, Appropriations and Revenue Bills Kentucky Office of State Budget Director · osbd.ky.gov · 2026-2028 biennium · checked Nov. 3, 2026
    Quoted text (1)

    Included in the above Restricted Funds appropriation is $2,086,600 in fiscal year 2026-2027 and $2,058,600 in fiscal year 2027-2028 from the Unclaimed Property Fund to provide funding for services performed by the Unclaimed Property Division of the Department of the Treasury.

52. KRS 393.050 Presumption of death after seven years -- Disposition of property. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective July 15, 2002 · checked Nov. 3, 2026
    Quoted text (1)

    Except as provided in KRS 422.132, when a person owning any property having a situs in this state is not known to be living for seven (7) successive years, and neither he nor his heirs, devisees, or distributees can be located or proved to have been living for seven (7) successive years, he shall be presumed to have died without heirs, devisees, or distributees, and his property shall be liquidated and the proceeds, less costs incident to the liquidation and any legal proceedings, and the liabilities which have been properly claimed and approved against it, shall be paid to the department.

53. KRS 393A.020 Inapplicability to foreign transaction. Kentucky Legislative Research Commission · apps.legislature.ky.gov · effective June 27, 2019 · checked Nov. 3, 2026
    Quoted text (1)

    To a nonprofit exempt under Section 501(c)(3) of the Internal Revenue Code;