Unclaimed and abandoned property refers to accounts in financial institutions and companies where the company has not had contact with the owner for over a year. Common forms of unclaimed property are savings and checking accounts, traveler's checks, unredeemed money orders or gift certificates, insurance refunds, life insurance payouts, certificates of deposits, utility security deposits and contents of safe deposit boxes. By state law, these companies must turn over forgotten funds to a state official who attempts to find the owner. Most states have a searchable online database and a national searchable database is also available.
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