Oklahoma
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 | Demand, savings, or matured time deposits with banking or financial organization |
| Wages/payroll | 1 | Shortest dormancy period |
| Insurance proceeds | 5 | Life insurance, endowment policies |
| Securities (dividends) | 3 | Dividends and other distributions |
| Securities (shares/cash) | 5 | Cash-in-lieu and security positions |
| Utility deposits | 1 | Same as wages |
| Safe deposit boxes | 5 | Contents of safe deposit boxes |
| Accounts payable/credit balances | 5 | Standard commercial property |
| Money orders | 7 | Extended dormancy |
| Traveler's checks | 15 | Longest dormancy period |
| Traditional IRA (cash) | 7 | Individual retirement accounts |
| Auto-renewable time deposits | 15 | Following expiration of initial time period |
Oklahoma uses the 1981 Uniform Unclaimed Property Act framework. Most financial accounts have a 5-year dormancy period, longer than many states. Wages and utility deposits are 1 year. Property valued at $50+ must be reported individually; items under $50 reported in aggregate. Reporting deadline: November 1 annually.
Finder / Helper Restrictions
Restriction Level: Moderate
Fee Cap: 25% — Anyone who informs a potential claimant of unclaimed funds or files a claim on behalf of a claimant shall contract for or receive an amount that does not exceed 25% of the value of the funds or property recovered (60 O.S. 674.1).
Waiting Period: None specified — Oklahoma does not impose a statutory waiting period before finders can enter into agreements, but property must have already been reported to the state.
Solicitation Rules: No specific statutory restrictions on solicitation timing, but all fee agreements must be in writing.