Unclaimed Property Indiana – $1 Billion Waiting, Search Free

Did you know Indiana’s Unclaimed Property Division is currently holding nearly $1 billion in unclaimed funds and in 2025 alone returned over $77 million to Hoosiers, setting a record pace to break all previous annual totals? Attorney General Todd Rokita puts it plainly: “Our team is relentlessly driven to reconnect every dollar with its owner to provide a financial boost for hardworking families, businesses, and communities.” If you have ever lived or worked in Indiana, unclaimed property in Indiana may be sitting in the official state database with your name on it right now. The search is completely free, the process is fully online, and you can even search by texting CLAIM to 46220 from your phone. This guide walks you through everything directly from the official Indiana Attorney General’s Unclaimed Property Division.

What is Unclaimed Property in Indiana?

Unclaimed property in Indiana is any financial asset held by a business or organization where there has been no owner contact for a specified period known as the dormancy period. When the dormancy period expires and the holder cannot locate the owner, Indiana law requires that organization to turn those assets over to the Indiana Attorney General’s Unclaimed Property Division (UPD) for safekeeping.

Indiana’s unclaimed property program is administered by the Indiana Attorney General’s Office under Indiana’s Unclaimed Property Act. All businesses, nonprofits, governmental agencies, corporations, and partnerships are required to file annual reports of any unclaimed property they hold. Indiana’s standard dormancy period is three years for most property types before the holder must report and remit it to the state.

Common types of unclaimed property in Indiana include:

• Unclaimed wages and commissions
• Savings and checking account balances
• Stock dividends and underlying shares
• Insurance proceeds and policy proceeds
• Customer deposits and overpayments
• Certificates of deposit (CDs)
• Credit balances and refunds
• Money orders
• Safe deposit box contents

An important Indiana-specific rule: Indiana holds unclaimed property for 25 years. After 25 years, unclaimed property can no longer be claimed and becomes the permanent property of the state. This makes Indiana’s claim window more limited than many other states so it is essential to search as soon as possible rather than waiting.

New property is added to the database regularly as businesses file their annual reports. The Indiana UPD encourages Hoosiers to search every year even if they have checked before because new funds are added continuously.

How Much Unclaimed Property Does Indiana Hold?

Indiana’s Unclaimed Property Division is currently holding nearly $1 billion in unclaimed funds waiting to be returned to rightful owners across the state.

The Division has been on a record-setting pace in recent years:

• 2025: Returned over $77 million through October already surpassing 2024’s total of $72 million and on pace to exceed the all-time record of $81 million set in 2023
• 2024: Returned $72 million the second-highest year on record at the time
• 2023: Returned $81 million the previous all-time annual record

Despite these record-breaking returns, nearly a billion dollars in unclaimed money Indiana residents have forgotten or never knew about remains in the database. Attorney General Rokita has specifically called on Hoosiers to spread the word: “Visit IndianaUnclaimed.gov or text CLAIM to 46220 to search your name, family or business.”

Unclaimed money Indiana residents most commonly find includes uncashed employer paychecks, dormant savings accounts from banks that have merged or closed, insurance policy proceeds that beneficiaries never knew existed, old utility and security deposits, and stock dividends from companies that lost contact with shareholders. The database contains property dating back through the history of the program though Indiana’s 25-year claim window means acting promptly is important.

How to Search for Unclaimed Property in Indiana Free

The official and only legitimate search portal is indianaunclaimed.gov/app/claim-search, which is also accessible through the main site at indianaunclaimed.gov. The search is always 100% free no registration required to search.

Indiana also offers a unique feature: you can search by texting CLAIM to 46220 from your mobile phone a fast, convenient option for Hoosiers on the go.

Here is exactly how to search online:

1. Go to indianaunclaimed.gov/app/claim-search in your web browser
2. Enter your last name always start with last name only for the widest results
3. Add your first name, city, or ZIP code to narrow results if needed
4. Click Search and review all matching results carefully
5. Try common misspellings of your name clerical errors at the original holder are a frequent reason property becomes lost, so searching alternate spellings is important
6. Search under every name you have used maiden names, former married names, and all name variations
7. Search under old Indiana addresses property is listed under the address the holder had on file, which may be from years ago
8. Search for your business use your company name and EIN to find property reported under any business entity
9. Search for family and friends you can search any name in the database; if you find property for someone you know, share the information with them
10. Text CLAIM to 46220 for a quick mobile search option

For direct assistance, contact the Indiana Unclaimed Property Division at 1-866-462-5246 or email updmail@atg.in.gov. You can also follow the Division on Facebook for updates and outreach events.

How to File a Claim – Step by Step

Once you find property in the database that belongs to you, Indiana’s online claim process is straightforward. Multiple properties can even be added to a single claim submission.

1. Click on the matching property listing at indianaunclaimed.gov/app/claim-search
2. Select the property to add it to your claim “cart” you can add multiple properties to one claim
3. Enter your claimant information full legal name, current mailing address, date of birth, and Social Security Number
4. Define your relationship to the property owner he system provides several options including Owner, Heir, Executor, Power of Attorney, and Business Representative, each with different documentation requirements
5. Review the required documentation the system will specify exactly which documents are needed based on your selected relationship type
6. Upload all required supporting documents through the secure portal
7. Review your entire claim carefully to ensure all information is accurate
8. Electronically sign and submit your claim
9. Save your Claim ID from the confirmation email you will need this to track your claim
10. Track your claim status at indianaunclaimed.gov using your Claim ID

Important: Payment is issued by check mailed to the current mailing address you provide during the claim. Make sure this address is correct and current before submitting. Incomplete claims are the most common reason for extended processing times always submit all required documents upfront.

Documents You Need to Claim Unclaimed Property in Indiana

Indiana requires documents based on your relationship to the property. Here is a full breakdown:

If you are the original owner (living individual listed on the property):

• A current, valid government-issued photo ID driver’s license, state ID, or US passport
• Your Social Security Number entered during the online claim process
• Documentation connecting you to the property an old bank statement, pay stub, insurance document, utility bill, or any record showing your name and the address listed on the property
• Name change documentation if applicable a marriage certificate, divorce decree, or court order

If you are an heir (claiming for a deceased owner):

• A certified copy of the death certificate
• Letters Testamentary (if the deceased had a will) or Letters of Administration (if there was no will) issued by an Indiana probate court or equivalent out-of-state court
• Your own valid government-issued photo ID
• Your own Social Security Number
• Proof of your relationship to the deceased birth certificate or marriage certificate

If you hold Power of Attorney for a living owner:

• A copy of the valid Power of Attorney document granting you authority to act on the owner’s behalf
• Your own valid government-issued photo ID

If you are claiming on behalf of a business:

• Your company’s Federal Employer Identification Number (EIN/FEIN)
• Business registration or incorporation documents
• Documentation proving your authority to represent the business

General advice: The most effective way to prevent delays is to ensure that all required documentation is submitted completely and accurately upfront. Upload clear, high-quality scans where all four corners of each document are fully visible and all text is legible.

How Long Does Indiana Take to Process Claims?

Indiana’s official processing timeline is straightforward:

• General processing time: Claimants should allow up to 90 days from the date a complete claim is received for it to be reviewed, approved, and paid
• Incomplete claims: Claims missing required documentation are placed on hold until the documentation is received the 90-day clock effectively restarts upon receipt of complete information
• Payment method: Indiana issues payment by check mailed to the current address provided on the claim form

You can check your claim status at any time by entering your Claim ID at indianaunclaimed.gov. If the Division needs additional information, they will contact you directly.

Text reminder: Indiana’s text shortcut CLAIM to 46220 also allows you to check on claim updates in some cases. For specific questions about a pending claim, contact the Division directly at 1-866-462-5246 or updmail@atg.in.gov.

Unclaimed Property for Deceased Relatives in Indiana

A significant portion of unclaimed money Indiana holds belongs to people who have already passed away. If a family member died without telling loved ones about old accounts, insurance policies, or other financial assets, those funds may have been transferred to the state and you may have the legal right to claim them.

Here is what you need to know:

• Indiana’s 25-year claim window is critical. Unlike most states that hold property indefinitely, Indiana holds unclaimed property for only 25 years before it permanently becomes state property. If a relative passed away years ago and you believe they had unclaimed assets, searching and filing as soon as possible is important.
• Search using the deceased’s full name. Go to indianaunclaimed.gov/app/claim-search and search every variation of their name full legal name, maiden name, middle name used as first name, and any nicknames.
• Legal authority documentation is required. Indiana requires proof of your right to act for the estate typically Letters Testamentary from an Indiana probate court if the deceased had a will, or Letters of Administration if there was no will.
• A Power of Attorney is not sufficient for deceased owner claims. A POA automatically terminates upon the death of the person who granted it. For deceased owner claims, you must use the heir or executor claim path with appropriate probate documentation.
• Safe deposit box contents. Physical items from abandoned safe deposit boxes are transferred to the state and held as part of the unclaimed property program. These can be searched and claimed through the same indianaunclaimed.gov portal.

Frequently Asked Questions

Conclusion

Unclaimed property in Indiana is a serious, actively managed consumer protection program and right now, nearly $1 billion is sitting in the state database waiting to be reunited with Hoosiers just like you. With over $77 million returned in 2025 alone and a record pace that is still building, Indiana’s Unclaimed Property Division under Attorney General Rokita is doing more than ever to get this money back where it belongs.

But Indiana’s 25-year claim window means acting sooner rather than later. Property that was reported years ago may have a ticking clock. Search today, search under every name you have used, and check for family and friends too. The process is free, fast, and fully online and you can even start right now by texting CLAIM to 46220.

Search for unclaimed property in Indiana for free at https://www.indianaunclaimed.gov/