Vermont
Vermont Unclaimed Property: How to Search & Claim Your Money (2026)
The Vermont Office of the State Treasurer is holding more than $175 million in unclaimed property that belongs to Vermont residents, from forgotten bank accounts to uncashed paychecks and old utility deposits. Searching the state's database and filing a claim is completely free, and Vermont has started proactively mailing checks to some residents before they even file anything.
Information last verified on 2026-07-15. This article has not yet been reviewed by a licensed lawyer.
How Vermont's Unclaimed Property Program Works
The Vermont Office of the State Treasurer's Unclaimed Property Division administers the state's program under Vermont's Revised Uniform Unclaimed Property Act, codified at 27 V.S.A. Chapter 18. When a bank, employer, insurer, or other business owes someone money or another asset and loses contact with them for a set period of time, called the dormancy period, state law requires the business to report and turn the property over to the Treasurer's Office rather than keep it.
This handoff, called escheatment, sounds permanent but is not. Vermont's escheat, like nearly every state's, is custodial: the Treasurer's Office holds the property in trust on the owner's behalf, and the rightful owner or their heirs can file a claim to get it back at any time, with no deadline. As the U.S. Securities and Exchange Commission's Investor.gov explains, once property escheats, the state holds it "as a bookkeeping entry," and former owners or their heirs can make claims in perpetuity.
How to Search for Your Vermont Unclaimed Property
Start at vermont.unclaimedproperty.com, the Treasurer's official search portal. The site lets you search by your name, a business name, or a Vermont town, and walks you through the claim process in four steps once you find a match.
Vermont also participates in MissingMoney.com, the free multi-state search tool sponsored by the National Association of Unclaimed Property Administrators (NAUPA), so a search there should surface Vermont-held property alongside other participating states. Either way, the Treasurer's own portal is the direct, official system of record.
Watch out: An older web address you may see referenced elsewhere no longer resolves correctly and can trigger a browser security warning. Go directly to vermonttreasurer.gov or vermont.unclaimedproperty.com instead of clicking an old bookmark or a link from a search result you are not sure about.
If you have lived, worked, or banked in other states, search those too. Property is filed under the address a holder had on record when it reported the property, which may not be where you live now.
How to File a Claim
Filing directly with Vermont's Treasurer's Office is free. There is no charge to search the database or to have a valid claim reviewed and paid.
Documentation requirements scale with the size of the claim. If you are the original owner and your claim is under $200, you can typically file online without submitting any supporting documents at all, and the state mails payment within about two business days of an approved claim. Larger claims generally require a copy of a government-issued photo ID and documentation connecting you to the property, such as an old bank statement, a W-2, or an address history. Claims involving a deceased owner's estate commonly require additional paperwork, such as a death certificate or documents establishing your authority to claim on the estate's behalf.
Vermont's MoneyBack Program
Vermont has also started paying some residents automatically, without requiring them to file anything. Through a partnership between the Treasurer's Office and the Vermont Department of Taxes, the state cross-references unclaimed property records against verified taxpayer data and mails a check directly to residents it can confirm, no claim form required. A recent round of the program, branded MoneyBack, returned close to $1.3 million to more than 5,000 Vermonters. If you receive a certified letter from the Treasurer's Office followed by a check, this proactive matching is very likely why.
Dormancy Period
Most property types in Vermont are presumed abandoned, and reportable to the state, after three years of inactivity by the owner. A handful of categories run on a different schedule: tax-deferred retirement accounts generally follow timing tied to required distributions under federal tax law, and unclaimed safe deposit box contents are presumed abandoned five years after the box's lease or rental period ends. The dormancy period only controls when a business must report property to the state; it does not limit how long you have to claim it back.
Avoiding Unclaimed Property Scams
Two different things get called "unclaimed money scams," and it helps to tell them apart. The first is a paid "finder" or asset-recovery service that searches for and files a claim on your behalf for a cut of what is recovered. These businesses are generally legal, but they are never necessary, since Vermont's own search and claim process is completely free.
The second is outright fraud. The Vermont Treasurer's Office and the Federal Trade Commission both warn about unsolicited calls, texts, and emails that claim you have unclaimed funds waiting and ask for personal information or an upfront "processing" fee. No legitimate Vermont agency will ask you to pay a fee before releasing money it already owes you, or pressure you with a false deadline. If you suspect fraud, you can report it at ReportFraud.ftc.gov.
Related articles
- Unclaimed Money & Property by State
- Vermont Landlord-Tenant Laws
- Vermont Divorce Laws
- Vermont Power of Attorney Laws
Disclaimer
This article provides general information about how Vermont's unclaimed property program works as of the verification date above. It is not legal advice and does not create an attorney-client relationship. Program rules, dollar thresholds, and processing times can change; verify current details directly with the Vermont Office of the State Treasurer before relying on any figure here.
Last updated: 2026-07-15.
More Vermont Laws
Frequently Asked Questions
Is it really free to search for and claim unclaimed property in Vermont?
Yes. The Vermont Office of the State Treasurer does not charge to search vermont.unclaimedproperty.com or to process and pay a valid claim filed directly with the state.
How much unclaimed property is Vermont holding?
The Treasurer's Office reports that its database contains over 1 million properties valued at more than $175 million.
Is there a deadline to claim property Vermont is holding for me?
No. Vermont holds unclaimed property in custodial trust indefinitely, so you or your heirs can generally file a claim at any time, even many years later.
Does Vermont participate in MissingMoney.com?
Yes. Vermont's records are searchable through MissingMoney.com, the free multi-state search tool, but the Treasurer's own portal at vermont.unclaimedproperty.com is the direct, official database.
What is Vermont's MoneyBack program?
It is a Treasurer's Office initiative that cross-references unclaimed property against verified Vermont Department of Taxes records and mails checks automatically to residents it can confirm, with no claim form required. A recent round returned close to $1.3 million to more than 5,000 Vermonters.
How fast are small claims paid in Vermont?
Claims under $200 filed online by the original owner typically require no supporting documentation, and payment is mailed within about two business days of an approved claim.
When does property become reportable to the state?
Most types are presumed abandoned after three years of inactivity under Vermont's Revised Uniform Unclaimed Property Act, though safe deposit box contents and some tax-deferred accounts follow a different timeline.
Should I pay a company that offers to find unclaimed money for me in Vermont?
You never have to. The state's own search and claim process is free, so a paid finder service is only ever a convenience, never a requirement.
What if a link to search Vermont's unclaimed property does not load correctly?
Go directly to vermont.unclaimedproperty.com or vermonttreasurer.gov rather than an old bookmark or a link from an unfamiliar site. An outdated address once used for this search no longer works correctly.
Updates
Corrected the size of Vermont's unclaimed property fund: the article said the Treasurer holds "tens of millions of dollars," but the Treasurer's Office reports more than $175 million across over 1 million properties.
The Law Behind This Article
This article rests on the statutory provisions below, held in our own legal record and retrieved from the official source. Tap a section to read the operative text.
Vermont Statutes Annotated, Title 27: Property, Chapter 18: Unclaimed Property, Subchapter: PRESUMPTION OF ABANDONMENT
§ 1461When property presumed abandonedIn force
Subject to section 1469 of this title, the following property is presumed abandoned if it is unclaimed by the apparent owner during the period specified below: (1) a traveler’s check, 15 years after issuance; (2) a money order, seven years after issuance; (3) a state or municipal bond, bearer bond, or original-issue-discount bond, three years after the earliest of the date the bond matures or is called or the obligation to pay the principal of the bond arises; (4) a debt of a business association, three years after the obligation to pay arises; (5) a payroll card or demand, savings, or time deposit, including a deposit that is automatically renewable, three years after the maturity of the deposit, except a deposit that is automatically renewable is deemed matured on its initial date of maturity unless the apparent owner consented in a record on file with the holder to renewal at or about the time of the renewal; (6) money or a credit owed to a customer as a result of a retail business transaction, three years after the obligation arose; (7) an amount owed by an insurance company on a life or endowment insurance policy or an annuity contract that has matured or terminated,…
Official text (excerpt) · last checked 2026-09-03 · Read the full text in our law library · Verify at legislature.vermont.gov
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Sources and References
- Vermont Office of the State Treasurer, Unclaimed Property search and claim portal(vermont.unclaimedproperty.com)
- Vermont Office of the State Treasurer, Unclaimed Property program overview(vermonttreasurer.gov).gov
- Vermont Statutes Online, 27 V.S.A. Chapter 18, Revised Uniform Unclaimed Property Act(legislature.vermont.gov).gov
- Office of the State Treasurer, State of Vermont Launches MoneyBack Program to Return $1.3 Million of Unclaimed Property to Vermonters(vermonttreasurer.gov).gov
- SEC Investor.gov, Escheatment (Financial Institutions) glossary entry(investor.gov).gov
- FTC Consumer Advice, How to handle unexpected calls about unclaimed funds(consumer.ftc.gov).gov