Kentucky Unclaimed Funds

Kentucky is currently holding nearly half a billion dollars in unclaimed funds!

Kentucky’s unclaimed money program started in 1942.

Unclaimed property includes personal property or financial assets such as

• abandoned savings and checking accounts
• non-cashed checks and travelers’ checks
• payroll checks
• unclaimed safety deposit boxes
• old life insurance policies
• stocks
• utility deposits

These assets are turned over to the state after a period time, usually three years.

In most cases, the owner of such property has forgotten that the particular property or account exists. Sometimes, an owner has died and the heirs don’t know about the property.

Treasure Finders Kentucky is a proactive outreach designed to locate Kentucky residents who may have unclaimed property.


The goal of the program is to increase the return of money to Kentucky citizens.

Each year the Kentucky State Treasury receives million of dollars from holders (such as banks and insurance companies) who by statute must transfer assets of inactive accounts.  Efforts are made to notify the public that property is being held.

Each year about 20 percent is returned to owners.

Click here is you would like search for Kentucky unclaimed money.

If you find money during a search you can take steps to claim it. You must prove you that you are entitled to make the claim. This means you will need to provide your social security number.

You will also need to provide proof of the reported address on the claim. There are many ways to do this. If you cannot provide proof of a previous address, you can let the department know and they will try to verify your information

You can contact the unclaimed funds department at  unclaimed.property@ky.gov.

You can also call the Kentucky State Treasurer at (502) 564-4722 or by mail at

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

Did you know you can make money finding unclaimed money for other people?

There is a little known business that lets you do that. Unclaimed money finders locate people that don’t know they money being held for them and help them to recover it.

In return, they charge a commission after the money is recovered.

Please click here if you would like to learn more about this business