How Do I Claim a Deceased Person's Unclaimed Property in Oklahoma?

In Oklahoma, a deceased owner's unclaimed property is claimed from the Oklahoma State Treasurer, Unclaimed Property Division.

State Where the Person Lived

Where the Estate Stands

Letters have been issuedA small estate affidavitNothing has been filed

Property Held in This State

Oklahoma names 4 routes for a deceased owner's unclaimed property.

Where to search and file

Oklahoma State Treasurer, Unclaimed Property Division

Phone: 1-405-521-4273
Email: unclaimed@treasurer.ok.gov
Website: Search and claim →
Office: Oklahoma State Treasurer, Unclaimed Property Division, 4841 N. Sewell Ave., Oklahoma City, OK 73118

The free search and online claims are at yourmoney.ok.gov.

Letters Testamentary or Letters of Administration naming the claimant personal representative

For: The court-appointed personal representative of the estate
Documents: A certified copy of the Letters Testamentary or Letters of Administration naming the claimant personal representative of the deceased owner
A certified copy of a government record of the death, where the property is worth $10,000 or more when the claim is paid
A legible copy of the claimant's valid driver license, or other government photo identification

Decree of Distribution of the estate

For: A claimant a probate decree of distribution names as entitled to the property
Documents: A certified copy of the Decree of Distribution of the deceased owner's estate determining the claimant's entitlement
A certified copy of a government record of the death, where the property is worth $10,000 or more when the claim is paid
A legible copy of the claimant's valid driver license, or other government photo identification

Claimant's affidavit of entitlement and indemnity under the Treasurer's rule

For: An heir of a deceased owner whose estate was not probated
Limit: Property held for the owner of $10,000 or less
Conditions: There has been no probate of the estate and none is contemplated.
The claimant agrees to indemnify the State for any loss, including attorney fees, if another claimant asserts a prior right to the property.
At $10,000 the statute calls for a certified copy of a government record of the death in place of a plain copy.
The State Treasurer may ask for other documents establishing entitlement.
Documents: A copy of the death certificate
A signed affidavit stating the claimant is entitled to the property, the claimant's exact relationship to the owner and the basis of entitlement
A legible copy of the claimant's valid driver license, or other government photo identification

Small estate affidavit under 6 O.S. 906

This route is for an estate of $50,000 or less.

For: The known heirs of an owner who died without a will, where the property came from a bank, credit union or savings and loan account
Limit: An estate of $50,000 or less
Conditions: The account was held in the owner's name alone with no payable-on-death beneficiary, and the owner's single-ownership deposits totaled $50,000 or less.
The owner left no will and no probate proceeding is pending.
Every known heir swears to and signs the affidavit.
Documents: The affidavit sworn to and signed by the known heirs, establishing jurisdiction, heirship and intestacy
A legible copy of the claimant's valid driver license, or other government photo identification

Notarization and finders

Notarization: A notarized document is needed only where the claim is audited because its proof of ownership is insufficient and the Division asks for a notarized signature on the claim form.
Finders: A finder may not charge more than 25 percent of the property recovered, under a written agreement signed by the claimant. Where the owner died without agreeing, the fee is owed only by each heir who agreed to it in writing. No registration is required.

Federal and national databases

MissingMoney.com: The national database endorsed by the National Association of Unclaimed Property Administrators searches the participating states at once for free and links to each one's official program. Most states participate; a state that does not is searched on its own official site.
The Treasury (TreasuryDirect): Unredeemed savings bonds; claims are made on FS Form 1048, as the Treasury Hunt search was withdrawn
PBGC: Unclaimed pensions from terminated plans, searched at pbgc.gov
The IRS: Undelivered tax refunds
The FDIC: Unclaimed deposits and checks from failed banks, searched by name, business name or check number
The NCUA: Unclaimed share accounts at liquidated federally insured credit unions, listed by last name and first initialamacmail@ncua.gov
The NAIC Life Insurance Policy Locator: A deceased person's life insurance and annuities; a participating insurer contacts the beneficiary if it finds onehelp@naic.org
The VA: Unclaimed VA life insurance

Governing law: Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 60 O.S. 674, 674.2; OAC 735:80

General information about claiming a deceased person's unclaimed property, not legal advice. Consult a licensed attorney for legal questions. Data verified Aug 24, 2026

File the claim with the Oklahoma State Treasurer, Unclaimed Property Division. The search and the claim start at the office's site. Under 60 O.S. 674.2, rewritten effective November 1, 2025, the State Treasurer may not pay a claim on a deceased owner's property unless the claimant provides a certified copy of court or other lawful documents establishing entitlement. The Treasurer may require other reasonable documentation.

Heirs can claim without letters from a probate court through the Claimant's affidavit of entitlement and indemnity under the Treasurer's rule, for property held for the owner of $10,000 or less. For property of $10,000 or less, OAC 735:80-7-2(b)(11) accepts a copy of the death certificate and a signed affidavit that the claimant is entitled to the property, stating the exact relationship and basis of entitlement. The claim on that route includes: A copy of the death certificate; A signed affidavit stating the claimant is entitled to the property, the claimant's exact relationship to the owner and the basis of entitlement; A legible copy of the claimant's valid driver license, or other government photo identification.

With letters from a probate court, the claim is made by the court-appointed personal representative of the estate.

Every state where the person had an address can hold some of the property: the holding company reports it to the state of the owner's last-known address, and to its own home state where it has no address on record. MissingMoney.com searches most states at once. Insurance, savings bonds, pensions, refunds and failed-bank deposits sit in federal and national databases: the Treasury (TreasuryDirect), PBGC, the IRS, the FDIC, the NCUA, the NAIC Life Insurance Policy Locator and the VA.

A finder may not charge more than 25 percent of the property recovered, under a written agreement signed by the claimant. Where the owner died without agreeing, the fee is owed only by each heir who agreed to it in writing. No registration is required. The same property can be claimed directly through the state's own program, which charges no fee.

Claiming Unclaimed Property in Oklahoma

Property goes to the state of the owner's last-known address in the holding company's records. Where the records show no address, it goes to the state where the company is organized, so a deceased person's property can sit in any state they once lived in or where a company that owed them is based. A search for a deceased Oklahoma resident therefore covers Oklahoma and every other state where the person lived, worked or held an account.

Oklahoma names 4 routes for a deceased owner's unclaimed property. With letters from a probate court, the claim is made by the court-appointed personal representative of the estate. Without letters, heirs claim through the Claimant's affidavit of entitlement and indemnity under the Treasurer's rule, for property held for the owner of $10,000 or less.

Whether the claim form needs a notary is the program's own rule: A notarized document is needed only where the claim is audited because its proof of ownership is insufficient and the Division asks for a notarized signature on the claim form.

Oklahoma holds the property until a valid claim is paid. The Uniform Unclaimed Property Act sets no filing deadline: under 60 O.S. 674, a person "claiming an interest in any property paid or delivered to the State Treasurer may file with the State Treasurer a claim on a form prescribed by the State Treasurer and verified by the claimant". Under 60 O.S. 674, the State Treasurer considers each claim within 90 days after it is filed.

Searching and claiming are free through a state's official unclaimed property program or missingmoney.com. Third-party finders or locators charge a fee, usually a percentage of the amount recovered, and the same property can always be claimed directly at no cost.

SimplyTrust Editorial·Updated October 26, 2026

Legal Sources

Data sourced from Oklahoma statutes and official state code. How we research.

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How Do I Claim a Deceased Person's Unclaimed Property in Oklahoma?

Oklahoma names 4 routes for a deceased owner's unclaimed property.

Where to search and file

Letters Testamentary or Letters of Administration naming the claimant personal representativeOklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Decree of Distribution of the estateOklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Claimant's affidavit of entitlement and indemnity under the Treasurer's ruleOAC 735:80, Unclaimed Property (Oklahoma State Treasurer, Chapter 80 rules)Verified Oct 26, 2026View source

Small estate affidavit under 6 O.S. 906Oklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Notarization and finders

Federal and national databases

Is this your situation?

Named as Executor

Death of a Parent

Inheritance

Forms for Settling an Estate in Oklahoma

Notice to Creditors

Renunciation of Executor

Affidavit of Heirship

Small Estate Affidavit

Estate Inventory

Estate Closing

IRS Form 1310

Letter of Instruction

Tools for Settling an Estate in Oklahoma

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Can I Self-File Probate?

How Do I Get Letters Testamentary?

What Are the Creditor Claim Deadlines?

What Happens When an Estate Is Insolvent?

How Do I Open an Estate Account When Someone Dies?

What Social Security Survivor Benefits Can I Get?

Hire an Oklahoma Probate Attorney

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Oklahoma Estate Settlement Resources

Oklahoma names 4 routes for a deceased owner's unclaimed property.

Where to search and file

Letters Testamentary or Letters of Administration naming the claimant personal representativeOklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Decree of Distribution of the estateOklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Claimant's affidavit of entitlement and indemnity under the Treasurer's ruleOAC 735:80, Unclaimed Property (Oklahoma State Treasurer, Chapter 80 rules)Verified Oct 26, 2026View source

Small estate affidavit under 6 O.S. 906Oklahoma Statutes Title 60 (Uniform Unclaimed Property Act, 60 O.S. 651 et seq.; 674; 674.2)Verified Oct 26, 2026View source

Notarization and finders

Federal and national databases

Letters Testamentary or Letters of Administration naming the claimant personal representative

Decree of Distribution of the estate

Claimant's affidavit of entitlement and indemnity under the Treasurer's rule

Small estate affidavit under 6 O.S. 906

Letters Testamentary or Letters of Administration naming the claimant personal representative

Decree of Distribution of the estate

Claimant's affidavit of entitlement and indemnity under the Treasurer's rule

Small estate affidavit under 6 O.S. 906