Kentucky · Unclaimed property · Updated Oct 2026
Kentucky State Treasury, Unclaimed Property Division holds money that businesses could not return to its owners. Here is how to search, what proof you need and how long it takes.
Search Kentucky's official list of unclaimed property by name.
Search in KentuckySearch your name for free on the Treasury's search portal or at MissingMoney.com. Check family, friends, your business and your employer too.
If the name and address match you, request a claim form online.
Fill out the claim form and sign it by hand. Kentucky needs your original signature: faxed, scanned, emailed or photocopied signatures are not accepted.
Attach the proof listed in Section D of your claim form (ID, Social Security number proof, and proof of the reported address).
Mail it to the Unclaimed Property Division. You can send several claim forms in one envelope with one set of proof, or drop them off in Frankfort on weekdays, 8 AM to 4 PM.
Only the executor or administrator, or next of kin, can claim for someone who died. Send the owner's death certificate and proof of the owner's SSN. If an estate is open, send your court appointment (received within 60 days of issue). If it is closed, send the appointment and the final order of distribution. If there was no estate, staff will tell you what else is needed.
We found no percentage cap or waiting period on finder fees in Kentucky's unclaimed property law. The law lets you name a locator as your agent in a signed record, and the state then shares your property information with that agent. A finder filing for you must send the owner's SSN proof and the finder agreement with an addendum. The Treasury says you do not need a finder and should try to claim on your own first.
Law: KRS 393A.760
Watch out: The Treasury will never ask for your credit card or bank information. Don't pay any website or company to search for or claim your property; the search is free.
Search every other state where you lived or worked. Some money, like old savings bonds and IRS refunds, is held by federal agencies.
Money that businesses could not return to you and had to hand over to a state, such as old bank accounts and insurance policies. USA.gov says state governments hold most unclaimed money.
Official siteOld paper or electronic U.S. savings bonds that were never cashed, including bonds that have matured and stopped earning interest (EE and I bonds earn interest for up to 30 years), plus lost, stolen or destroyed bonds.
Official siteTax refunds owed to people who never filed a federal tax return for a year, often because they earned little and were not required to file. The IRS says taxpayers usually have three years to file and claim a refund; after that the money becomes the property of the U.S. Treasury.
Official siteSearch the official database run by the Kentucky State Treasury, Unclaimed Property Division. Searching is free. Search every name you have used and every address where you lived in Kentucky.
No. The state does not charge a fee to claim. We found no percentage cap or waiting period on finder fees in Kentucky's unclaimed property law. The law lets you name a locator as your agent in a signed record, and the state then shares your property information with that agent. A finder filing for you must send the owner's SSN proof and the finder agreement with an addendum. The Treasury says you do not need a finder and should try to claim on your own first.
Only the executor or administrator, or next of kin, can claim for someone who died. Send the owner's death certificate and proof of the owner's SSN. If an estate is open, send your court appointment (received within 60 days of issue). If it is closed, send the appointment and the final order of distribution. If there was no estate, staff will tell you what else is needed.
Claims are reviewed in the order received. The state's claim instructions say most claims are evaluated within 90 days. State law requires a decision within 90 days of filing and payment within 30 days after approval (KRS 393A.520, 393A.530).
Last checked: Oct 2026.