Disclaimer: This article is for educational purposes only and does not constitute legal advice.
Detailed Answer
In Kentucky, unclaimed property—such as forgotten bank accounts, security deposits, or payroll checks—reverts to the State Treasurer when owners do not claim it for a specified dormancy period. The state holds these assets under Kentucky Revised Statutes (KRS) Chapter 393. You can access and review any property held in your name via the nccash.com portal by following these steps:
- Visit the Official Portal. Go to nccash.com. Ensure the URL begins with “https://” to avoid phishing sites.
- Start Your Search. Click “Search Now” or “Claim My Property” to access the public database. You can begin with your full name or business entity name.
- Create or Log In to Your Account. To view detailed records, select “Create Account.” Provide your legal name, current mailing address, date of birth, and the last four digits of your Social Security number. This information matches data reported under KRS 393.070 (Report of Intangible Personal Property).
- Verify Your Email. After registering, check your inbox for a verification link. Click the link to activate your account and secure your login credentials.
- Access Your Dashboard. Log in and navigate to “My Account.” You’ll see a list of all unclaimed property records in your name. Each entry shows the property type, custodian name, and amount held.
- Review Property Details. Click on an individual record to view specifics, such as the last known address of record, the business or financial institution holding the funds, and the escheatment date.
- Print or Download Records. Use the “Print” or “Download” buttons to save property details. Keep these records for your files and for submitting a claim.
- File a Claim (Optional). If you wish to recover the funds, click “File Claim” on the desired record. Upload required documentation (e.g., government-issued photo ID, proof of address) in PDF or JPEG format.
- Monitor Claim Status. Once submitted, you’ll receive a confirmation number. The portal updates status as Pending, Approved, or Denied. Under KRS 393.270 (Delivery of Property to Owner), the State Treasurer generally processes valid claims within 60 days.
- Receive Your Funds. Approved claims pay via check or direct deposit. You can track delivery details in your account or by email notification.
For full statutory guidance, review KRS Chapter 393.
Helpful Hints
- Have your Social Security number and a valid ID ready before you begin.
- Search under any variations of your name (e.g., nicknames, maiden name).
- Check your spam folder for the verification email.
- Use a desktop browser for easier document uploads.
- Save your login credentials in a secure password manager.
- Review your account quarterly to catch new unclaimed property listings.
- Contact the Kentucky State Treasurer’s Unclaimed Property Division if you encounter technical issues.