South Carolina Office of the State Treasurer, Unclaimed Property Program

South Carolina · Unclaimed Property

treasurer.sc.gov/what-we-do/for-citizens/unclaimed-property-program

State Unclaimed Property in South Carolina

The South Carolina State Treasurer holds unclaimed property — dormant bank accounts, uncashed checks, insurance payouts, and similar assets — until the owner or their heirs claim it. The personal representative of a deceased owner's estate files a claim with a copy of the death certificate, a currently dated Probate Order, and proof of the deceased's ownership of the property.

Steps to take when someone dies

1
Search southcarolina.findyourunclaimedproperty.com for the deceased's name and prior addresses. Searching and claiming are free.
2
File a claim as the personal representative of the estate:
  • •A copy of the death certificate
  • •A currently dated Probate Order
  • •Proof of the deceased's ownership of the property
3
If no estate was opened, or the estate has already been closed, call the Unclaimed Property Program at (803) 737-4771 to discuss the options.
4
The State Treasurer reviews the claim and issues a decision; a filed claim is considered within 90 days.

Required Documents

  • Copy of the death certificate
  • Currently dated Probate Order
  • Proof of the deceased's ownership of the property

Timeline

The Program reports that a claim generally takes four to twelve weeks to pay, depending on complexity and documentation.

State Unclaimed Property in South Carolina: key facts

What South Carolina says8

Official search

The official search is at southcarolina.findyourunclaimedproperty.com, which also takes online claims, claim-status checks and claim-document uploads.1, 2

Fees

There is no fee to search or claim.3

Who may claim for a deceased owner

The Program's FAQ states that the personal representative for the estate can make a claim on a deceased owner's property.3

Documents for an heir or estate claim

The personal representative provides a copy of the death certificate, a currently dated Probate Order, and proof of the deceased's ownership of the property.3

Claiming without a probate order

If no estate was opened, or the estate has been closed, the Program directs the claimant to call the Unclaimed Property Program to discuss the options.3

S.C. Code 62-3-1201 lets a successor collect personal property by affidavit, rather than opening a full estate, where the entire probate estate, less liens and encumbrances, does not exceed $45,000 and 30 days have passed since the death.4

Under S.C. Code 62-3-1201 the affidavit must be approved and countersigned by the probate judge and filed in the probate court.4

2025 Act No. 26 raised the affidavit ceiling from $25,000 to $45,000, effective May 8, 2025.5

Processing time

S.C. Code 27-18-250(B) requires the administrator to consider each claim within 90 days after it is filed.6

If a claim is denied

S.C. Code 27-18-250(B) requires written notice to the claimant if the claim is denied in whole or in part.6

Deadline to claim

The Unclaimed Property Program states there is no time limit: the rightful owner always has the right to claim the funds, and South Carolina holds the property until it is claimed.1

Governing law: S.C. Code Title 27, Chapter 18 (Uniform Unclaimed Property Act (1981)); 27-18-250

Deadlines1

The administrator's consideration of a filed claim

within 90 days of the date the claim is filed; written notice is given to the claimant if the claim is denied in whole or in part6

Other offices involved1

Probate court

The probate judge approves and countersigns the small-estate affidavit, which is filed in the probate court4

Sources6

South Carolina unclaimed property

South Carolina Office of the State Treasurer, Unclaimed Property Program

Office

South Carolina Treasurer's Office, Unclaimed Property Program, 1200 Senate Street, Suite 214, Wade Hampton Building, Columbia, SC 29201
Verified Aug 2026

Tools for Planning and Settling an Estate in South Carolina

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

How Do I Settle an Estate?

Settling an estate in South Carolina: the personal representative files the estate inventory within 90 daysS.C. Code §§ 62-3-706, 62-3-707, 62-3-708Verified Sep 15, 2026View source of appointment; creditors have 8 monthsSC Code §§ 62-3-801, 62-3-803, 62-3-805, 62-3-806Verified Oct 19, 2026View source to present claims; a simple estate closes in 6 months to 9 months.

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Who Inherits Without a Will?

Without a will in South Carolina, a surviving spouse takes half of the estateS.C. Code § 62-2-102Verified Sep 10, 2026View source when every child of either spouse is a child of both, and descendants divide what passes to them per capita with representationS.C. Code § 62-2-106Verified Sep 10, 2026View source.

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