Maryland Unclaimed Property: Search & Claim Money Online

by
Maryland · Lost money search · Online claims · Estate and business help

Find Missing Money and Build a Claim That Can Be Verified

Maryland unclaimed property is usually money that lost contact with its owner—an old bank balance, uncashed paycheck, insurance benefit, security deposit, customer refund, stock-related payment or another financial asset eventually reported to the Comptroller.

The useful part is not simply finding your name. This guide shows how to search former names and addresses, identify a believable match, prepare proof, file through Maryland’s newer KAPS system, handle estate or business claims, respond to document requests and check a separate state-money database when nothing appears.

Start the free search Prepare a claim No money found?
Use the official Maryland system before paying anyone to search. The Comptroller provides an online unclaimed-property search. A name match alone does not prove that the money belongs to you, so compare the reported owner information and be prepared to document your connection to the property.

Quick answer: search first, prove the connection second

Open Maryland’s official Unclaimed Property system, search your name and former names, review likely matches, start the claim from the official system and upload the documentation requested for your claim type. The newer KAPS platform also lets claimants track their claim status.

1 Search variations Current name, former names and business names.
2 Verify the clue Compare old address, holder and property type.
3 Prove entitlement Upload identity and relationship documents.
4 Track the claim Respond quickly if additional proof is requested.

Maryland unclaimed property at a glance

Official agency Comptroller of Maryland
Current system KAPS, launched October 2025
FY2025 returned More than $121 million
General dormancy 3 years for many financial assets
Deadline to claim Maryland holds property custodially
Central Maryland 410-767-1700
Toll-free 800-782-7383
Email unclaim@marylandtaxes.gov
Real estate? No
Businesses? Yes, businesses can have claims too

The state now directs Marylanders to its updated Unclaimed Property system for searching, submitting claims, securely uploading documents and checking claim status.

Open Maryland Unclaimed Property Read official claim instructions

Choose what you are trying to do

Jump directly to the problem instead of reading a generic explanation.

Asset decoder

What Maryland actually means by “unclaimed property”

Despite the word “property,” the program is primarily about financial assets and certain safekeeping contents—not abandoned houses or vehicles.

Common ways money becomes separated from its owner

$
Uncashed wages Payroll checks, commissions or employment-related distributions.
B
Bank accounts Inactive checking, savings and other financial accounts.
I
Insurance money Unclaimed insurance benefits or related payments.
R
Refunds Customer overpayments, refunds and certain deposits.
S
Securities Stock dividends and other reportable securities property.
D
Security deposits Deposits that could not be returned to the owner.
□
Safe-deposit contents Certain contents reported from dormant safekeeping accounts.
C
Other checks Payments that remained uncashed long enough to be reportable.
Is it part of Maryland’s unclaimed-property program?
Asset or issue
State unclaimed property?
Where to look
Dormant bank account
Usually yes after applicable dormancy/reporting rules.
Maryland Comptroller Unclaimed Property search.
Uncashed payroll check
Potentially yes.
Search the Comptroller database.
Insurance benefit
Potentially yes.
Search the Comptroller database using the owner’s name.
Stock dividend
Potentially yes.
Search the statewide database.
Safe-deposit contents
Certain abandoned safekeeping contents can be reported.
Maryland Unclaimed Property program.
House or land
No.
Use Maryland land, probate or court records depending on the issue.
Car or boat
No.
Use the agency responsible for title or registration.
Uncashed Maryland state-agency check
Possibly a separate State Treasurer fund.
Check the Treasurer’s Unpresented and Undeliverable Check Search.
Why money reaches the state

The common three-year rule is about inactivity—not ownership

Before reporting

A bank, insurer, employer or other holder loses contact with the owner or an account/check remains inactive for the applicable period.

3
YEARS
After reporting

The property moves into Maryland’s custodial unclaimed-property system, where the rightful owner or eligible successor can later claim it.

Not every asset uses exactly three years. Maryland publishes a general three-year dormancy period for many financial accounts and checks, while some property types have different rules. Uncashed travelers’ checks, for example, have a much longer reporting period.
There is an important difference between “unclaimed” and “forfeited.” Maryland describes its law as custodial. The fact that money was reported to the state does not automatically mean the rightful owner permanently lost the right to claim it.
Identity check

A same-name result is a clue—not proof that the money is yours

Clues that make a match stronger or weaker
Search-result clue
Why it matters
What to do
Old address
Connects you with the account location known to the reporting holder.
Look for old tax, lease, mortgage, utility or other records if proof is requested.
Reporting company
A former employer, bank, insurer or utility can explain why the money exists.
Think about your relationship with that organization during the relevant period.
Property type
Payroll, bank, insurance and security-deposit records imply different supporting evidence.
Prepare documents connected with that asset type.
Former surname
The account may predate a marriage, divorce or legal name change.
Be ready to document the name transition if requested.
Business name
The money may legally belong to an entity rather than an individual owner.
Use the business-claim path and prove authority to act for the entity.
Privacy rule: never post full Social Security numbers, banking information or identity documents publicly while asking whether a record is yours.
Current KAPS workflow

File the claim online without creating avoidable delays

Maryland replaced its older system with KAPS in October 2025. The system supports online searching, claim submission, secure document uploads and claim-status tracking.

1 Find record Search the official database.
2 Start claim Select the property you believe belongs to you.
3 Identify claimant Tell Maryland who is making the claim.
4 Upload proof Provide the requested supporting documentation.
5 Track status Watch for requests or approval updates.

Online claim micro-steps

Open the official record Do not begin from a screenshot or third-party listing when the state record is available.
Choose the correct claimant relationship Individual owner, business, estate/deceased owner, joint owner or someone legally acting for another person can require different evidence.
Enter your current contact details carefully A typo in your email or mailing information can make document requests harder to receive.
Upload readable documents Photograph or scan the entire document, keep all corners visible and avoid glare or cropped text.
Submit once Save the confirmation instead of creating another claim because the first one is still under review.
Check the claim-status function KAPS allows claimants to follow progress after submission.
Respond to requests promptly If Maryland asks for another document, provide the requested item rather than resubmitting the entire claim unless instructed.
Paper remains an option. Maryland’s official claim page also provides the COT/ST912 claim form. Follow the instructions for your claimant type, sign the form, attach the listed evidence and use the current submission address printed on the claim paperwork.
Open KAPS search and claims See paper-claim instructions
Claim evidence

Prepare documents that prove identity and ownership—not just identity

Exact requirements depend on the claim. The central question is whether the documents connect the claimant to the person, business, address or account associated with the unclaimed property.

Government-issued identification when requested
Social Security or taxpayer-identification evidence when required
Documentation connecting you with the reported address
Old bank, insurance or employer documents when useful
Marriage or court record for a name change when needed
Proof of authority for another person’s claim
Death certificate for applicable deceased-owner claims
Estate or heir documentation when applicable
Business-entity records for business claims
Joint-owner documentation where another owner is listed

Evidence should answer a specific question

Match the missing proof to the right document
Maryland needs to confirm
Useful evidence category
Common problem
Who are you?
Valid identity documentation.
Blurry, expired or cropped document.
Were you connected to the old address?
Historic financial, tax, lease, mortgage, utility or other records.
Current ID shows only a new address.
Why is your name different?
Marriage, divorce, court or other name-change documentation where applicable.
Current and reported names cannot be connected.
Can you act for the owner?
Estate, guardianship, power or other legal-authority documentation applicable to the claim.
Claimant is related to the owner but has not established authority.
Can you act for the business?
Entity and authorization records.
Individual claimant has not connected themselves with the company.
Scanning trick: create one clearly named file per document—such as Photo-ID.pdf, Old-Address-Proof.pdf and Death-Certificate.pdf. It makes it easier to verify that you uploaded every requested item.
Estate and heir claims

Finding a deceased relative’s money is only the first half of the job

Maryland permits unclaimed-property claims involving deceased owners and estates, but the person submitting the claim must establish the legal relationship or authority required for that estate.

Search the deceased owner’s name Use legal name, former surname and variations that may have appeared on older accounts.
Save every likely property result Note the reporting company, old address and property type.
Determine whether an estate exists Search or contact the Register of Wills in the jurisdiction where the decedent was domiciled.
Collect death and estate documentation The exact proof depends on the estate status and the claimant’s legal relationship.
Use the deceased/estate claim instructions Do not submit the claim as though the deceased owner were personally filing it.
Keep estate documents available Maryland may request additional proof before payment can be released.
Register of Wills help: Maryland’s Register of Wills specifically advises that its offices can assist when a decedent has unclaimed property. Contact the office in the jurisdiction where the decedent was domiciled.
Review deceased-owner claim instructions Open Maryland Register of Wills FAQ
Business and organization claims

Search old company names even when the business has changed

Maryland’s unclaimed-property records include property belonging to businesses and organizations as well as individuals.

Active business

Search the legal entity name and prepare documentation showing that the person filing the claim is authorized to act for the company.

Renamed business

Search both the old and new names and keep documentation that connects the entities.

Dissolved business

A dissolved status does not automatically establish which individual may claim the money. Follow Maryland’s business-claim instructions and prove authority.

Business search checklist

Current legal entity name
Former legal name
DBA or trade name
Name without punctuation
Former business address
Old bank or insurer relationship
Authority of the person filing
Entity records connecting old and new names
After submission

Track the claim instead of filing it again

SUBMITTED Claim and initial documents received.
REVIEW Ownership and claimant evidence examined.
MORE INFO? Additional proof may be requested.
DECISION Claim is approved or otherwise resolved.
PAYMENT Approved property proceeds to payment.

If Maryland asks for more documents

Read the request literally Identify exactly which fact Maryland still needs to verify.
Upload the strongest matching document For an old-address problem, send address evidence—not another copy of current identification.
Make the document readable Include every page and avoid glare, shadows or cropped edges.
Use the existing claim Add the document to the current claim rather than creating a second claim unless Maryland instructs you otherwise.
Check status again KAPS was specifically designed to support ongoing claim-status tracking.
Open claim search and status
Search recovery

No Maryland unclaimed property found? Check these eight possibilities

You searched only your current surname Search maiden names, former married names and prior legal names.
The account used initials Try first initial, middle initial and simplified versions of the name.
The money belongs to a business Search the company’s legal and former names instead of your personal name.
You moved from another state The property may have been reported to another jurisdiction.
The holder has not reported it yet Search again later because new property continues to enter state systems.
It is a Maryland state-agency check Check the State Treasurer’s separate unpresented/undeliverable check system.
The owner is deceased Search the decedent’s name, not just heirs or estate representatives.
The money is federal Federal refunds, pensions and other federal funds may use separate agency databases.
Repeat-search strategy: search your family names once or twice a year, particularly after moving, closing a bank account, changing insurers, changing jobs or administering an estate.
Important Maryland distinction

Unclaimed Property and uncashed state checks are not the same database

Comptroller Unclaimed Property

For property reported under Maryland’s unclaimed-property program, such as dormant accounts, insurance proceeds, wages, refunds and similar assets.

Agency: Comptroller of Maryland.

Search Comptroller Unclaimed Property
State Treasurer Check Search

For certain checks issued by Maryland state agencies that were never presented for payment or were returned as undeliverable.

Agency: Maryland State Treasurer.

Search unpresented state checks
Do not assume the Treasurer’s check database replaces the Comptroller search. The Treasurer explicitly states that its unpresented and undeliverable checks are separate from abandoned property under Maryland’s unclaimed-property program.

How to search the Treasurer’s separate check database

Choose individual or corporate search The system provides different inputs for people and companies.
Use the last six digits when appropriate The Treasurer’s tool recommends the last six digits of the SSN or corporate tax ID as one search route.
Try the name search if no result appears Individuals can search first and last name; businesses can search company name.
Contact the issuing agency when a possible check appears The Treasurer search supplies information so the original issuing agency can handle the reissue question.

If you lived outside Maryland

Search every state where you lived, worked, owned a business, maintained a bank account or received insurance benefits. For federal sources such as certain pensions, tax refunds or other government funds, use the federal unclaimed-money guidance.

Search Maryland state checks Check federal unclaimed-money sources
Official help

Contact Maryland Unclaimed Property with the claim details ready

Central Maryland

410-767-1700

Toll-free

800-782-7383

Email

unclaim@marylandtaxes.gov

Division location
7 St. Paul Street
Suite 320
Baltimore, MD 21202

Prepare before calling

Claim or property reference
Owner name exactly as shown
Reporting company
Old address connected with the property
Date claim was submitted
Exact status or document request shown
Useful call script “I am calling about a Maryland unclaimed-property claim for [owner name]. My claim/reference is [number]. The property was reported by [holder], and my current status says [status/request]. Can you tell me exactly which document or action is still required?”

Email without exposing sensitive information

Okay to include
  • Your name
  • Claim/reference number
  • General description of the issue
  • Last four SSN digits only if specifically appropriate
  • Callback information
Do not send casually by ordinary email
  • Full Social Security number
  • Bank account number
  • Routing number
  • Passwords
  • Other unnecessary sensitive financial information
Mailing a paper claim? Follow the current COT/ST912 instructions and use the submission address printed on the current claim form rather than relying on an address copied from an old article or archived form.
Scam prevention

Protect the money while trying to recover it

Search official first

Check Maryland’s own database before agreeing to pay a third party merely to tell you whether a record exists.

Verify the website

Use the Maryland Comptroller domain or an official state page linked from it for the claim.

Protect identity data

Upload sensitive documents through the official secure claim system rather than publishing or casually emailing them.

Red flag: a person who already has enough information to sound convincing may still be a scammer. Verify the property yourself through Maryland’s official system before sharing identity documents or payment information.
10 practical answers

Maryland unclaimed property FAQs

How do I search Maryland unclaimed property?

Use the Comptroller of Maryland’s official Unclaimed Property system. Search your current name, former names, business names and names connected with old Maryland addresses. Open a likely match and follow the official claim process.

Is the Maryland unclaimed property search free?

Yes. You can search the official Comptroller of Maryland unclaimed property system directly without paying a search service.

What types of money can become unclaimed property in Maryland?

Examples include unclaimed wages, customer refunds and overpayments, dormant bank accounts, insurance benefits, security deposits, stock dividends and certain safe-deposit-box contents.

Does Maryland unclaimed property include houses, cars or boats?

No. The Comptroller states that Maryland unclaimed property does not include real estate, boats or cars.

How long before money becomes unclaimed property in Maryland?

The general Maryland dormancy period for many accounts and unclaimed checks is three years. Different property types can have different periods; uncashed travelers checks have a much longer period.

Is there a deadline to claim Maryland unclaimed property?

Maryland describes its unclaimed property law as custodial. Property can remain available for the rightful owner during the owner’s lifetime or for legitimate heirs after the owner’s death.

What documents do I need for a Maryland unclaimed property claim?

Documentation depends on the claim. Be prepared to prove your identity and legal connection to the property. Additional documents may be required for old addresses, name changes, businesses, joint accounts, estates or claims made for another person.

Can I claim Maryland unclaimed property for someone who died?

Yes. Maryland accepts claims involving deceased owners and estates. You must provide the documentation required to establish the death and your legal authority or relationship to the property.

What if I cannot find my money in Maryland’s unclaimed property search?

Search former names and old addresses, check again later as new property is reported, search other states where you lived or worked, and separately check Maryland State Treasurer unpresented and undeliverable state-agency checks.

How do I contact Maryland Unclaimed Property?

Call 410-767-1700 in Central Maryland or 800-782-7383 from elsewhere. Email questions to unclaim@marylandtaxes.gov.

Official information review — August 8, 2026: The search and claim system, KAPS capabilities, FY2025 return figure, three-year general dormancy rule, covered property types, exclusion of real estate/boats/cars, custodial claim rights, claimant categories, contact information, Maryland State Treasurer check-search distinction and email-security guidance were checked against Maryland government sources.
Independent guide: This page is not the Comptroller of Maryland, Maryland State Treasurer or Maryland Register of Wills. Search results do not establish ownership by themselves. Use the official Maryland claim system for live records, current document requests, secure uploads and claim status.
Ohio Auditor Tools · Tax Year 2026

10 Ohio Property Tax Calculators & Auditor Tools

Built specifically for Ohio's 35% assessment ratio, current DTE forms, and 2026 Homestead, Owner-Occupancy, CAUV, Conveyance Fee, and Board of Revision rules. Every number reflects verified Ohio Department of Taxation amounts.

Homestead: $29,000 Enhanced Vet: $58,000 OAGI limit: $41,000 Assessment: 35% of market BOR filing: Free · DTE 1

Annual Tax Bill Estimator

OHIO

Applies Ohio's 35% assessment ratio plus your county's effective millage tier — the actual math your auditor uses.

Pick a county tier and enter your market value.

Homestead Reduction Calculator

DTE 105A

2026 Ohio Homestead: $29,000 general or $58,000 enhanced (100% disabled vet, KIA spouse). OAGI under $41,000 required for non-veteran applicants.

Pick your situation and enter your home value.

Owner-Occupancy & Non-Business Credits

DTE 105C

Every Ohio owner-occupied home qualifies for the 2.5% Owner-Occupancy Credit plus the automatic 10% Non-Business Credit. Most owners don't realize these stack.

Enter your annual tax to see both credit amounts.

Conveyance Fee Calculator

ORC 322

When you sell or transfer Ohio property, the auditor collects $1 state + up to $3 county per $1,000, plus $0.50 per parcel. Counties choose their rate.

Enter sale price and pick your county rate.

CAUV Agricultural Savings

DTE 109

Ohio's Current Agricultural Use Value cuts taxable value dramatically for farmland (10+ acres, or smaller with $2,500+ annual gross income).

Enter both market and CAUV values to see savings.

Mill Rate Converter

Ohio tax rates appear three ways on auditor sites: mills, percent, or dollars per $1,000. Convert between them instantly.

Enter a rate to see all three forms.

Parcel Number Cleaner

Ohio's 88 counties each format parcels differently — Franklin uses 010-123456-00, Cuyahoga uses 001-23-456, Hamilton uses 100-0001-0001-00. Auto-detects.

Paste any Ohio county parcel to format it.

35% Ratio Sanity Check

Ohio law sets taxable value at 35% of market value. If yours is significantly higher, you're a strong BOR appeal candidate.

Enter both values to compare against Ohio's 35% target.

BOR Appeal Savings

DTE 1

A successful Board of Revision complaint typically cuts your value 10–20%. Filing is free and stays in effect until the next reappraisal.

Enter your tax bill and reduction estimate.

BOR Deadline Countdown

MAR 31

Ohio's statutory Board of Revision filing deadline is March 31 for the prior tax year. Miss it and you wait until next year — no extensions.

Set your deadline to start the countdown.

Verify with the official Ohio source

These calculators use the verified 2026 Ohio Department of Taxation amounts and statutory rules. For your exact bill, exemption status, and county-specific deadlines, always confirm with your county auditor and the Ohio Revised Code:

Ohio Dept. of Taxation — Real Property DTE Forms (105A, 105C, 1, 109) ORC 5715 — Board of Revision ORC 5713 — Taxable Real Property ORC 322.02 — Conveyance Fee ORC 319.54(F)(3) — State Fee ORC 5713.30 — CAUV tax.ohio.gov — Main Portal

Estimates use Ohio's 35% statutory assessment ratio and effective tax rate tiers averaged across major Ohio counties. Your actual bill depends on local school levies, voted millage, inside vs. outside millage splits, House Bill 920 reduction factors (HB 920), and special assessments. The 2026 Homestead general amount ($29,000) and enhanced amount ($58,000) reflect HB 187 inflation indexing — your county auditor's office may show slightly different transitional figures. Nothing here is legal or tax advice. CountyAuditors.org is an independent informational directory, not affiliated with any county government.

Leave a Comment