Unclaimed Property Dormancy Periods by State
Dormancy period after which bank accounts, wages, and insurance proceeds escheat to the state as unclaimed property.
Click any column header to sort ascending or descending. Click again to reverse, and a third time to reset.
| Bank Accounts | Wages | Insurance Proceeds |
|---|---|---|
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 3 yrs | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 3 yrs | 3 yrs |
| 3 yrs | 2 yrs | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 3 yrs | 1 yr | 3 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 5 yrs | 1 yr | 5 yrs |
| 3 yrs | 1 yr | 3 yrs |
Most states have adopted some version of the Uniform Unclaimed Property Act (last revised 2016). Federal preemption applies to ERISA-governed retirement plans, military death benefits, and certain federal obligations. Delaware v. Pennsylvania (US Supreme Court 2023) clarified escheat priority for unclaimed MoneyGram instruments.
This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.