New Jersey Unclaimed Property: How to Search and Claim for Free

How to search for New Jersey unclaimed property

The official search is at unclaimedfunds.nj.gov/app/claim-search.¹ The program's information pages are at unclaimedproperty.nj.gov.⁸ You may see it called Unclaimed Property Administration (UPA).⁹

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

Fast-track and automatic payments

• Some online claims are pre-approved with no documents requested; no dollar limit or criteria are published.³

New Jersey's records can also be searched through MissingMoney.com.¹⁰

How to claim unclaimed property in New Jersey, step by step

Claims can be filed online on the official site.² Cost: Free.⁷

1. Search the NJ portal by last name or business name (first name, city, ZIP or Property ID narrow results).¹
2. Check the listed address: property at one of your past addresses is likely yours.³
3. Select the property and choose "Continue To File Claim", then follow the on-screen instructions (SSN is required).¹
4. The UPA emails a claim form listing the property and any documents needed; upload them.³
5. Upload documents with your Claim ID at the Upload Claim Documentation page (PDF, TIF, PNG or JPG, 10 MB max per file); mail originals when the claim form requires them.¹¹
6. Track the claim by Claim ID.¹²
7. If nothing shows up in the search, file a Search Request so staff search manually; a claim form is emailed if property is found.²

• Notary: No general notarization requirement is stated; a business authorization letter must bear the corporate seal or be signed before a notary.¹³
• Interest: Yes. Interest runs from the date the property was received until the claim is approved, at a rate from the NJ Division of Investment's 'Rate of Return' schedule; a 1099-INT is issued when interest exceeds $10.³
• Property of a minor: Guardianship: owner under 18 needs birth certificate and SSN proof. Custodial (UTMA-type) accounts: owner under 21 needs birth certificate and SSN proof; at 21 or over, ID and SSN proof.¹³
• If a claim is denied: A claimant whose claim is denied in whole or in part may appeal the final decision to the Appellate Division of the Superior Court of New Jersey.⁴

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

• Document showing your name and full SSN (Social Security card, SSA letter, tax document, pay stub with full SSN)¹³
• Evidence of serving as trustee under a certified trust agreement, plus owner's SSN proof¹³
• Court order establishing the deposit; turnover order naming the UPA; or divorce decree¹³

A former address or a name change

• Proof you lived or did business at the reported address (tax document, utility bill, school records, bank statement, medical document)¹³
• Marriage certificate, court order or divorce decree¹³

The owner has died (estate)

• Probate through the county Surrogate's Court (documents dated within one year). For intestate estates with no surviving spouse and an aggregate value up to $10,000, one next of kin (with written consent of the others of equal degree) may file an Affidavit of Next of Kin in place of administration. Applies to decedents who lived in NJ; others follow their own state's probate.¹³
• Probate documents from the county Surrogate's Court, dated within one year¹³
• Photocopy (not certified original) of the death certificate¹³
• Document with the decedent's name and full SSN (not needed if the death certificate shows it), plus the executor/administrator's ID and SSN proof¹³
• Death certificate for each owner and a surrogate certificate from the past 12 months for the last to die¹³

You are an heir

• Only someone with legal right may claim: executor/executrix, power of attorney holder, or guardian³

A business or government agency

• Clear photocopy of photo ID with signature (driver's license, passport, military ID, state ID, naturalization/immigration papers)¹³
• Claimant ID, company FEIN verification, name-change proof if any, and an authorization letter on letterhead signed by another officer with corporate seal or notarized¹³
• Tax clearance certificate¹³

Securities, safe deposit boxes and other cases

• All owners sign; ID and SSN proof for each¹³
• Photocopy of the POA; probate documents instead if the owner has died¹³
• Original stock certificate or original statement showing the shares; choose Re-Registration or Sale on the claim form¹³
• The original bond or coupon (photocopies are not accepted)¹³
• The original gift card/certificate¹³
• The original document named on the claim form¹³

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

• By statute the UPA must consider each claim within 120 days of filing and send written notice if it is denied (heir claims: 120 days after the heirship proofs are submitted). Manual Search Requests: allow up to 2 weeks for a response.⁴

How you are paid

New Jersey pays by check, so keep the mailing address on your claim current.

• Paper check (not issued at the office); a replacement can be requested only 30+ days after the issue date. Securities can be re-registered instead of sold.³

Deadline

There is no deadline for owners and heirs in New Jersey.

• No time limit; property is held in perpetuity until claimed⁵

Contact the New Jersey unclaimed property office

When property becomes unclaimed: dormancy periods

In New Jersey most property is presumed abandoned after 3 years without owner contact.¹⁵ Wages move faster: 1 year.¹⁵ More on how this works: what happens after the dormancy period.

Other states: dormancy periods table.

• Minimum amounts: No minimum amount for reporting. Items under $50 may be reported in aggregate; owner notice by certified mail is required for items of $50 or more.¹⁶
• Gift cards: Stored value cards issued on or after July 1, 2010 are presumed abandoned after 5 years with no card activity. General purpose reloadable cards are reported at their full value; all other stored value cards at 60% of their value. Funds on cards sold on or after December 1, 2012 do not expire, and those cards may carry no fees except activation/purchase/reload fees and disclosed replacement-card fees. Since September 1, 2012, if less than $5 remains after a purchase, the owner can ask for the balance in cash (this does not apply to multi-merchant/network-branded cards, non-reloadable cards with an initial value of $5 or less, or cards given in place of a refund). Exempt: promotional, rewards, loyalty or charitable cards given without payment; cards donated or sold below face value to nonprofit, charitable or educational organizations; event or venue admission cards; and cards of issuers that sold $250,000 or less in cards in the past year (N.J.S.A. 46:30B-42.1).⁴
• Published lists of owners: By statute the administrator publishes a notice once a week for two consecutive weeks in a newspaper of general circulation in the county of the owner's last known address, by November 30 of the year after the property is received (life insurance property: by September 1). Owners with property under $100 need not be advertised. The UPA says it runs a statewide newspaper advertisement of newly received property every year. Only owner name and last known address are public.⁴

Finder fees and heir finders in New Jersey

The legal limit in New Jersey: 20% of the value recovered for agreements made after the 24-month period; 35% for agreements made before the property was presumed abandoned. The owner may still challenge any agreement as excessive or unjust at any time.⁴ You never need a finder: claiming directly is free.⁷

• Are finders allowed? Yes, with limits. Finder agreements made within 24 months after the property is paid or delivered to the state are void. Later agreements are valid only if they meet the fee cap and written-contract rules. The UPA pays claims only to the claimant (owner), never to the searcher; searchers must enforce their contracts in court.⁴
• Contract rules: No enforceable agreement for 24 months after the state receives the property. After that, the agreement must be in writing, signed by the apparent owner, and state the nature and value of the property and the owner's share after the fee. The owner may at any time argue that the fee is excessive or unjust.⁴
• The law: N.J.S.A. 46:30B-106 (Unenforceable agreements), L.1989, c.58, amended L.1995, c.361⁴ (read the text)

Before signing with a finder, read how finders work.

How to spot New Jersey unclaimed property scams

New Jersey's official search is on unclaimedfunds.nj.gov, a .gov address.¹

What New Jersey warns about

• The UPA never charges to search or claim.⁷
• Finders/locators charge fees (up to 20%); the state service is free.³
• The search portal describes itself as a free and secure state service.¹

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

New Jersey unclaimed property in numbers

For businesses: reporting unclaimed property to New Jersey

• Report due: Personal property: postmarked before November 1 (report year July 1 - June 30). Life insurance property: postmarked before May 1 (calendar year). Weekend/holiday due dates roll to the next business day.¹⁶
• Due diligence letters to owners: For property of $50 or more, a certified letter, return receipt requested, to the last known address 60 to 120 days before filing. Holders keep the proof; no mailing costs may be deducted. The rules let financial organizations first try to reach owners of time deposits by regular mail before using certified mail (N.J.A.C. 17:18-2.4).¹⁶
• Where to report: unclaimedfunds.nj.gov/app/submit-a-report⁸
• File format: Online only; NAUPA standard electronic file (.HRS, .RPT or .TXT) or a manual report built in the online application. No paper reports; HDE files not accepted. Wire required for remittances of $50,000 or more.¹⁴
• Penalties: Interest at 10% above the 52-week T-bill rate on late property (46:30B-103); civil penalty $200/day up to $100,000 (46:30B-104); willful failure $1,000/day up to $250,000 plus 25% of unreported property (46:30B-105).¹⁴
• Voluntary disclosure: Voluntary Compliance Program (VCP): late penalties removed on completion; simple interest still due; 10-report-year lookback; VDA signed within 30 days, findings in 90 days, whole program within 180 days. Contact [email protected].¹⁹

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

Other rules specific to New Jersey

• Law: N.J.S.A. 46:30B-1 et seq. (Uniform Unclaimed Property Act, P.L.1989, c.58, as amended)¹⁴
• Uniform act: Titled the 'Uniform Unclaimed Property Act' (P.L.1989, c.58)¹⁴
• NJ shows only owner name and reported address; it does not publish the company that reported the property or a dollar range.³
• Bulk lists of held property are available only through an OPRA (public records) request, and only names and addresses.³
• NJ pays interest on claims, from the date the property was received until the claim is approved, at a rate based on the Division of Investment's 'Rate of Return' schedule (N.J.S.A. 46:30B-79).³
• Claimed property is not taxable income, but the interest is; a 1099-INT is issued when interest exceeds $10, and a 1099-B for sold shares.³
• Newly reported property can take up to 3 months after the October 31 deadline to appear in the search.³
• A due-diligence letter's response date from a bank is not the date property reaches NJ; holders are told not to send owners to the UPA before November 1.⁸
• Securities are normally held one year before sale; a claim after sale gets the sale proceeds, with no claim for later appreciation.³
• When claiming for someone else, enter the property owner's SSN, not your own, and pick the claimant type (heir, owner, legal representative).³
• NJ has no reciprocal agreements with other states.¹⁶
• UPA outreach staff attend public events; the 2026 list includes the NJEA convention in Atlantic City (Nov 5-6, 2026) and the NJ League of Municipalities Conference (Nov 17-19, 2026).²⁰
• Holders' own safe deposit box drilling is allowed one year after contact is lost; boxes are reported to NJ after 5 years through a preliminary report the UPA reviews within 14 days.²¹
• Rules bar paying claims to heir searchers: payment goes only to the owner/claimant.⁵

New Jersey unclaimed property: questions people ask

Where do I search for New Jersey unclaimed property?

On the official search at unclaimedfunds.nj.gov.¹ Searching and claiming there is free.⁷

How do I claim a deceased relative's unclaimed property in New Jersey?

Probate through the county Surrogate's Court (documents dated within one year).¹³ Details above.

When is the New Jersey unclaimed property report due?

Personal property: postmarked before November 1 (report year July 1 - June 30).¹⁶ Details above.

Which law governs unclaimed property in New Jersey?

N.J.S.A. 46:30B-1 et seq. (Uniform Unclaimed Property Act, P.L.1989, c.58, as amended)¹⁴

Where are the New Jersey unclaimed property claim forms?

unclaimedproperty.nj.gov/…¹³

How long does a New Jersey unclaimed property claim take?

By statute the UPA must consider each claim within 120 days of filing and send written notice if it is denied (heir claims: 120 days after the heirship proofs are submitted).⁴ Details above.

What is the New Jersey unclaimed property phone number?

(609) 292-9200.⁶

Is the New Jersey unclaimed property site legitimate?

Yes, if it is unclaimedfunds.nj.gov:¹ the program is run by the New Jersey Department of the Treasury, Unclaimed Property Administration (UPA).⁶ What the program warns about.

What is the dormancy period for unclaimed property in New Jersey?

3 years for most property;¹⁵ other types differ (see the table).

Is it free to claim unclaimed property in New Jersey?

Free⁷

Moved? Neighboring programs

• New York unclaimed property
• Pennsylvania unclaimed property
• Delaware 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. Search for Unclaimed Property (portal) New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedfunds.nj.gov · checked Nov. 3, 2026
   Quoted text (3)

   To begin your search, enter your last name or the name of your business. To better refine your results, you may also enter your first name.

   When you are ready to submit your claim, select "Continue To File Claim" and follow the instructions provided.

   This is a free and secure service provided by the New Jersey Unclaimed Property Administration to claim your lost funds.

2. The Claim Process New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated April 22, 2025 · checked Nov. 3, 2026
   Quoted text (3)

   Filing your claim through the search website is the fastest way to get your claim processed.

   If you did not locate property on the NJ Property Search website but believe you have unclaimed property at our office, you can request UPA staff execute a manual search through the ‘Request a Property Search’ link below.

   Mailing Address State of New Jersey Unclaimed Property Administration P.O. Box 214 Trenton, NJ 08625-0214 ATTN: Claim Section

3. Claim FAQs New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated April 22, 2025 · checked Nov. 3, 2026
   Quoted text (15)

   Provided the Unclaimed Property Administration issued the original check to the correct address, you must wait at least 30 days from the date the check was issued before a new check request can be processed.

   If after submitting your claim you are not requested to provide documents to prove ownership it is likely that your claim was pre-approved based on the information you provided and the property you are claiming.

   If the property you located on our property search tool lists an address that was a previous residence of yours then it is likely property belonging to you.

   After a claim is submitted the Unclaimed Property Administration (UPA) will issue an email that details the property you're claiming and provides a listing of any documentation needed to prove ownership.

   Interest is calculated starting from the date the property was escheated to the UPA and ending on the date the UPA approves the return of the property to the rightful owner(s). The interest rate the UPA applies to calculate interest is derived from the NJ Division of Investment's 'Rate of Return' schedule.

   Examples include someone who is the executor or executrix of an estate, someone holding a Power of Attorney over the property owner, or someone who has a 'letter of guardianship' for the property owner.

   No, the UPA is not open to the public. Furthermore, checks are not produced in our office so we DO NOT have the ability to issue checks.

   The Unclaimed Property Administration never charges a fee to search and claim your unclaimed property.

   The New Jersey Unclaimed Property Statute dictates what information is considered confidential. The Statute only designates the name and address of property owners as public information.

   Any data requests must be submitted through the Open Public Records Act (OPRA).

   Yes. Interest is calculated starting from the date the property was escheated to the UPA and ending on the date the UPA approves the return of the property to the rightful owner(s).

   Therefore, unclaimed property is not actually income so it is not taxable.

   Due to the high volume of property received around the reporting deadline it can take up to 3 months to get these properties added to the property search site.

   Unless the administrator considers it to be in the best interest of the State to do otherwise, all securities presumed abandoned under Article 10 of this chapter and delivered to the administrator shall be held for one year before the administrator may sell them.

   When submitting a claim on property where the listed property owner is not you, you should provide the property owner's SSN.

4. Unclaimed Property Statute (N.J.S.A. 46:30B-1 to -109), Treasury compilation "Updated thru P.L. 2015, c.8" New Jersey Department of the Treasury, Unclaimed Property Administration · nj.gov · Updated thru P.L. 2015, c.8 (file Last-Modified Jan. 25, 2019) · checked Nov. 3, 2026
   Quoted text (10)

   The administrator shall consider each claim within 120 days after it is filed or, in the case of a claim of a person asserting an entitlement as an heir to the property of an intestate decedent, within 120 days of the claimant's submission of the matters (1) through (4) required in subsection b. of R.S.46:30B-77, and give written notice to the claimant if the claim is denied in whole or in part.

   Agreements entered into any time after such 24-month period are valid only if the fee or compensation agreed upon is not more than 20% of the value of the property recovered, the agreement is in writing, signed by the apparent owner, and clearly sets forth the nature and value of the property and the value of the apparent owner's share after the fee or compensation has been deducted.

   A person whose claim has been denied by the administrator in whole or in part may appeal the final decision to the Appellate Division of the Superior Court of New Jersey.

   Property deposited or paid into the Superior Court or to the surrogate of any county in this State to the credit of a specific cause or account under the provisions of any law, order, rule, judgment, or decree and remaining unclaimed for a period of 10 years, shall be presumed abandoned.

   Property deposited or paid into the Superior Court or to the surrogate of any county of this State for the benefit of a person who is a minor at the time of the deposit and remaining unclaimed by that person for two years after that person reaches majority is presumed abandoned.

   The proceeds of a general purpose reloadable card presumed abandoned shall be the value of the card, in money, on the date the general purpose reloadable card is presumed abandoned. The proceeds of all other stored value cards presumed abandoned shall be 60% of the value of the card, in money, on the date the stored value card is presumed abandoned.

   The administrator is not required to advertise the name and address or location of an owner of property having a total value of less than $100.

   All agreements to pay compensation to locate, deliver, recover, or assist in the recovery of property reported under this chapter, made within 24 months after the date that the property is paid or delivered to the administrator, are void and unenforceable.

   However, nothing in this section shall be construed to prevent an owner from asserting at any time that an agreement to locate property is based upon an excessive or unjust consideration.

   46:30B-106. Unenforceable agreements All agreements to pay compensation to locate, deliver, recover, or assist in the recovery of property reported under this chapter, made within 24 months after the date that the property is paid or delivered to the administrator, are void and unenforceable.

5. Proposed Readoption N.J.A.C. 17:18, 52 N.J.R. 2055(a) (PRN 2020-111) New Jersey Department of the Treasury (New Jersey Register reprint) · nj.gov · New Jersey Register Nov. 16, 2020 · checked Nov. 3, 2026
   Quoted text (3)

   There is no time limit on when claims may be made.

   Approximately 75 percent of the money generated by the administration of the abandoned property program is ultimately deposited into the State’s General Fund.

   the requirement that claims may be paid only to an owner and not an heir searcher, continue to serve the statutory aim of protecting owners’ interests in property that is or may become abandoned.

6. Contact Us - Unclaimed Property Administration New Jersey Department of the Treasury, Unclaimed Property Administration · nj.gov · page last updated March 28, 2025 · checked Nov. 3, 2026
   Quoted text (2)

   Trenton, NJ 08625-0214 609-292-9200

   Department of the Treasury Unclaimed Property Administration PO Box 214 Trenton, NJ 08625-0214 609-292-9200

7. Unclaimed Property Administration (home) New Jersey Department of the Treasury, Unclaimed Property Administration · nj.gov · page last updated Oct. 1, 2026 · checked Nov. 3, 2026
   Quoted text (2)

   The Unclaimed Property Administration NEVER charges a fee to search and claim your unclaimed property.

   Steven Harris, Administrator

8. Holder Reporting Reminder New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · Updated January 2025 · checked Nov. 3, 2026
   Quoted text (3)

   All Holders are strongly advised to provide a link to our website, www.unclaimedproperty.nj.gov, instructing users to use the Search for Unclaimed Property link to found their property in all correspondence to owners.

   The UPA requires all Holders to utilize the online system.

   Do not refer property owners to the UPA before November 1.

9. About (mission statement) New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated Sept. 13, 2021 · checked Nov. 3, 2026
   Quoted text (1)

   The Unclaimed Property Administration (UPA) recovers and records abandoned or lost intangible and tangible property.

10. MissingMoney.com State Index (page script and app configuration) MissingMoney.com (NAUPA) · missingmoney.com · archived copy, captured July 7, 2026 (view capture) · checked Nov. 3, 2026
    Quoted text (1)

    Property for States in green are searchable on MissingMoney.

11. Upload Claim Documentation (portal) New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedfunds.nj.gov · checked Nov. 3, 2026
    Quoted text (1)

    Certain claims require original documents in order to process and therefore cannot be uploaded to the website.

12. Search for your claim's status (portal) New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedfunds.nj.gov · checked Nov. 3, 2026
    Quoted text (1)

    NOTE: The Claim ID can be found on your claim form or in the email notice you received when you initiated your claim.

13. Claim Documentation New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated April 22, 2025 · checked Nov. 3, 2026
    Quoted text (22)

    The letter should be on company letterhead, must be signed by a corporate officer other than yourself, and either contain the corporate seal or be signed in the presence of a notary public.

    If the owner is under 18, provide clear photocopies of the documentation below: Owner’s birth certificate Proof of owner’s SSN

    As part of the claim documentation process the UPA needs a clear photocopy of a document that contains both your name and your complete SSN.

    Claimant must present evidence that he/she currently serves as trustee under a properly certified trust agreement.

    Provide an order commanding a judgment debtor to turn over assets to a judgment creditor.

    Proof that you either resided or did business at the ‘Original Owner’s Address as Reported’ listed in the Property Detail section of your claim form.

    If your name is different from the name listed in the property description on the claim form provide us with proof of your name change.

    Next of Kin Letter – In an intestate (decedent died without a will) estate where the decedent leaves no surviving spouse and the aggregate value of the estate does not exceed $10,000. One of the next-of-kin (with written consents from all the other next-of-kin of equal degree) may file an Affidavit of Next of Kin with the appropriate Surrogates office, in lieu of Administration.

    Any documentation from the Surrogate/Probate Court must be dated within one year of the present date.

    Only provide our office with a photocopy of the death certificate.

    If you are already providing a copy of the death certificate and it contains the decedent's SSN, you do NOT have to provide this documentation.

    If there are multiple owners that are deceased we need a copy of the death certificate for each owner. In addition, we need a surrogate certificate dated in the previous 12 months for the owner who passed away most recently.

    As part of the claim documentation process, the UPA needs a clear photocopy of your personal identification card. This form of ID must contain a photo and a signature.

    Provide a current letter authorizing you to act on behalf of the business. The letter should be on company letterhead, must be signed by a corporate officer other than yourself, and either contain the corporate seal or be signed in the presence of a notary public.

    NOTE: If a company is no longer in business, the UPA will need a tax clearance certificate to process your claim.

    If the property listed in the Property Detail section of your claim form has multiple owners, then all owners must sign the claimant information page(s).

    Provide a photocopy of the Power of Attorney. If the property owner is deceased probate documentation will be required.

    You must check either Re-Registration or Sale on the property detail section of your claim packet.

    Only the original bond/coupon, not photocopies, will result in a successful claim submission.

    Provide the original gift card/certificate that you are attempting to recover.

    For example, if the property you're claiming was an old savings account we would need the original bank issued savings booklet. If the property you're requesting was an uncashed check, then we would need the original check that was issued.

    Please do not provide the Unclaimed Property Administration (UPA) with any documentation unless it is request by the UPA through formal correspondence (claim form).

14. Holder Reporting Guide New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · Updated September 2025 · checked Nov. 3, 2026
    Quoted text (5)

    Email Claim questions to: [email protected] Email Reporting questions to: [email protected]

    New Jersey requires online holder reporting. The NJ UPA does not accept paper reports.

    A holder who willfully fails to report, pay, or deliver property within the time prescribed by chapter 30B of Title 46 of the Revised Statutes, shall pay to the administrator, in addition to the interest provided in R.S.46:30B-103, a penalty of $1,000 for each day the report, payment, or delivery is withheld, or the duty is not performed, up to a maximum of $250,000, plus 25% of the value of any property that should have been but was not reported.

    The statute (Public Laws of 1989, Chapter 58; New Jersey Statutes 46:30B-1 et seq.) should be referenced for a complete statement of the law and its various details.

    Pursuant to P.L. 1989, Chapter 58 Uniform Unclaimed Property Act:

15. Abandonment Table New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · Updated September 2025 · checked Nov. 3, 2026
    Quoted text (24)

    All other Intangible Property 3 years

    Wages/Payroll 1 year

    Checks, Drafts, Certified Checks 3 years

    Savings, Time & Demand Deposits 3 years

    Money Orders 3 years

    Travelers Checks 3 years

    Dividends 3 years

    Credit Memos 3 years after payable

    Commission 3 years

    Stored Value Cards and similar instruments 5 years

    Safe Deposit Box Contents 5 years after lease/rental expiration

    Utility Deposits 1 year after service ends

    Proceeds to dissolution 1 year after date of final distribution

    Class Actions Proceeds 1 year after initial distribution date

    Governmental Entity – Bonds and 1 year other Intangible Items

    Non-Governmental Bonds 3 years after maturity

    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

    Demutualization 3 years after the earlier of: The date of the distribution or the date of the last contact with policyholder

    Retirement Account or Plan 3 years after the earliest of the date of the distribution or attempted distribution of the property

    3 years after the date of a second returned

    Health Savings Accounts 3 years after the earliest of the date of the distribution or attempted distribution of the property.

    3 years after policy has matured or terminated

16. Holder Reporting FAQs New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated Oct. 10, 2025 · checked Nov. 3, 2026
    Quoted text (4)

    Is there a minimum amount for reporting unclaimed property? No.

    Reports containing personal property must be postmarked before November 1st covering the previous reporting cycle (July 1st through June 30th). Reports containing life insurance property must be postmarked before May 1st covering the previous reporting cycle (January 1st through December 31st).

    If the abandoned property is $50 or greater a due diligence letter must be sent via certified mail return receipt requested to the apparent owner at the last known address not more than 120 days and not less than 60 days prior to the report submission.

    No, NJ does not have reciprocal agreements with any other state.

17. Treasury Explains: Unclaimed Property New Jersey Department of the Treasury · nj.gov · checked Nov. 3, 2026
    Quoted text (4)

    New Jersey has successfully returned over $3.0 billion to rightful owners since UPA’s inception.

    1 in 10 NJ residents have unclaimed property

    FY’25: $253,336,576

    In Fiscal Year 2024, Treasury’s Unclaimed Property Administration (UPA) returned a record-breaking $261.4 million in assets across 109,181 approved claims.

18. FY 2027 Budget Detail (excerpts: Schedule 1 and Treasury D-404 to D-408) New Jersey Department of the Treasury, Office of Management and Budget · nj.gov · FY 2027 budget (2026) · checked Nov. 3, 2026
    Quoted text (3)

    Unclaimed Personal Property Trust Fund 235,000 335,000 285,000

    Unclaimed Property Reports filed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16,282 20,543 17,000 17,000

    Intestates/escheated estates . . . . . . . . . . . . . . . . . . . . . . . . . 140 175 110 110

19. Voluntary Compliance Program (VCP) New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated April 22, 2025 · checked Nov. 3, 2026
    Quoted text (1)

    Benefits of the VCP include the removal of all late penalties if the entity successfully completes the program. Simple interest is still assessed on the total liability due to the State.

20. Public Outreach Events (2026) New Jersey Department of the Treasury, Unclaimed Property Administration · nj.gov · checked Nov. 3, 2026
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    New Jersey League of Municipalities Conference Atlantic City Convention Center Atlantic City, NJ 08401 11/17/2026 – 9:00 am – 4:30 pm

21. Reporting Safe Deposit Boxes/Tangible Property New Jersey Department of the Treasury, Unclaimed Property Administration · unclaimedproperty.nj.gov · page last updated April 22, 2025 · checked Nov. 3, 2026
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    The Safekeeping Unit will issue a determination via email within 14 days of notification.