North Dakota
Statutory term: Unclaimed Property
Overview
Search for Unclaimed Property
This program provides a public search portal where you can look up unclaimed property.
Search Now →Key Statistics
Dormancy Periods
The dormancy period is how long property must be inactive before it is considered unclaimed and reported to the state.
| Property Type | Years | Notes |
|---|---|---|
| Bank accounts (checking/savings) | 5 | |
| Certificates of deposit | 5 | |
| Wages/payroll | 1 | |
| Cashier's checks | 2 | |
| Money orders | 7 | Non-bank money orders |
| Traveler's checks | 15 | |
| Safe deposit boxes | 3 | |
| Life insurance proceeds | 3 | Matured policies |
| Casualty insurance | 3 | |
| Utility deposits/refunds | 1 | |
| Dividends | 2 | |
| Securities | 3 | After 2nd returned mail |
| Bonds/debt | 3 | |
| Mineral proceeds | 3 | |
| IRA/Keogh | 3 | |
| Gift certificates | 0 | Exempt from reporting |
| Credit memos | 3 | |
| Vendor-vendor payments | 2 | |
| Dissolution/liquidation | 1 | |
| Fiduciaries | 3 | |
| Court/agency funds | 3 | State and federal |
| Other property | 3 | Default dormancy |
North Dakota adopted the RUUPA in 2021. General dormancy is 3 years; banking products are 5 years. Notice threshold reduced from $50 to $25. Reports due November 1 annually. Gift certificates are exempt from escheatment under North Dakota law.
Finder / Helper Restrictions
Restriction Level: Moderate
Fee Cap: None specified — NDCC 47-30.2 follows the RUUPA model; agreements must be in writing, signed by the owner, and disclose the nature/value of the property and fees. No explicit percentage cap is set in statute.
Waiting Period: 24 months — An agreement to pay compensation for locating property is unenforceable if entered into before delivery to the state or within 24 months after delivery under the RUUPA framework.
Solicitation Rules: Finder agreements must be in writing, signed by the apparent owner, and clearly state the nature of the property, services to be provided, and fees before and after deduction.