North Carolina Department of State Treasurer, Unclaimed Property Division (NCCash)

North Carolina · Unclaimed Property

nccash.gov

State Unclaimed Property in North Carolina

The North Carolina Department of State Treasurer holds unclaimed property — dormant bank accounts, uncashed checks, insurance payouts, and similar assets — through its NCCash program until the owner or their heirs claim it. To claim a deceased owner's property, the heir or estate representative works with the Clerk of Superior Court to assemble proof of authority.

Steps to take when someone dies

1
Search nccash.gov for the deceased's name and prior addresses, and run a multi-state search at missingmoney.com.
2
Contact the Clerk of Superior Court in the county where the deceased lived to determine and obtain the documentation showing authority to claim for the estate.
3
File the claim at nccash.gov and submit proof of ownership and the authority documentation; the Division contacts the processor if more is needed.
4
Upload supporting documents through the NCCash "Claim Document Upload" portal, or mail them to the Unclaimed Property Division, PO Box 20431, Raleigh, NC 27619-0431.
5
The Division reviews the claim and notifies the claimant by email when it is approved for payment.

Required Documents

  • Proof of ownership
  • Documentation showing authority to claim for the estate: when claiming for a deceased owner. Obtained from the Clerk of Superior Court in the county where the deceased lived.

State Unclaimed Property in North Carolina: key facts

What North Carolina says6

Official search

Search is free at nccash.gov, which also takes claims online; search before filing a claim.1

Documents for an heir or estate claim

For a deceased owner, the heir or representative contacts the Clerk of Superior Court in the county where the deceased lived to obtain documentation showing authority to claim on behalf of the estate.2

Depending on the circumstances, the Clerk can determine the most efficient documentation needed to show authority to claim the property on behalf of the estate.2

Claiming without a probate order

N.C.G.S. 28A-25-1 (intestate estates) and 28A-25-1.1 (testate estates) let an heir, an executor named in the will, or a creditor present a small-estate affidavit filed with the Clerk of Superior Court, rather than opening full probate.3, 4

The affidavit covers personal property not exceeding $20,000 in value, or $30,000 when the surviving spouse is the sole heir (after reduction for any spousal allowance paid under G.S. 30-15), and may be used at any time after 30 days from the date of death.3, 4

NCCash directs heirs to the Clerk of Superior Court to determine the most efficient route, which may include the small-estate affidavit procedure.2

Processing time

Claims are processed in the order they are received, and normal processing time is approximately 90 days.1, 2

NCCash currently reports processing times greater than 90 days because of the unusually high volume of claims.1

How an approved claim is paid

The Division notifies the claimant by email when the claim is approved for payment.1

Deadline to claim

NCCash states there is no time limit for filing claims: the state maintains unclaimed assets for the rightful owners forever, so an owner or their heirs can claim at any time.2

Governing law: N.C.G.S. Chapter 116B (Escheats and Abandoned Property)

Other offices involved1

Clerk of Superior Court

Administers decedents' estates and determines the documentation that shows authority to claim for the estate2

Sources4

North Carolina unclaimed property

North Carolina Department of State Treasurer, Unclaimed Property Division (NCCash)

Hours

Monday through Friday, 8:00 am to 5:00 pm

Mailing address

Unclaimed Property Division, PO Box 20431, Raleigh, NC 27619-0431
Verified Aug 2026

Tools for Planning and Settling an Estate in North Carolina

Free calculators and checklists for planning or settling an estate in North Carolina: will and trust costs, probate, executor pay, and inheritance taxes.

How Do I Settle an Estate?

Settling an estate in North Carolina: the personal representative files the estate inventory within 90 daysN.C.G.S. §§ 28A-20-1, 28A-20-3, 28A-20-4Verified Sep 15, 2026View source of appointment; creditors have 3 monthsNCGS §§ 28A-14-1, 28A-19-1, 28A-19-3, 28A-19-6, 28A-19-16Verified Oct 19, 2026View source to present claims; a simple estate closes in 6 months to 9 months.

Get Plan

What Is the Estate's Personal Property Worth for Probate?

Estimate the fair market value of household items for probate and see how it affects fees.

Estimate Value

Who Inherits Without a Will?

Without a will in North Carolina, descendants divide what passes to them per capita at each generationN.C.G.S. § 29-16Verified Sep 10, 2026View source, and an heir must survive the decedent by 120 hoursN.C.G.S. § 28A-24-2(a)Verified Sep 10, 2026View source to inherit.

Use Calculator

Hire a Probate Attorney

Browse vetted attorneys handling probate matters across all 50 states.

Browse firms

All North Carolina tools