Complete Guide to Searching and Claiming in NJ [2026]
New Jersey holds millions of dollars in unclaimed property waiting to be returned to rightful owners. The Garden State notably pays interest on unclaimed property from receipt to return, and property never permanently escheats to the state. The New Jersey Department of Treasury is responsible for safeguarding and returning these assets to their owners.
New Jersey uses the KAPS (Kelmar) for its unclaimed property database. Property typically becomes dormant after 3 years of no owner activity, at which point holders must report it to the state by November 1 each year.
This is the official state website operated by the New Jersey Department of Treasury. Use this site to:
Visit njclaims.unclaimedproperty.com and search using your name or business name.
Check the property details (address, holder name) to confirm it belongs to you.
Complete the online claim form or download the paper form if preferred. Online claims typically process faster.
Provide proof of identity and ownership as requested by the state.
New Jersey claims typically take 4-8 weeks to process.
Once approved, receive your funds via check or direct deposit (if available).
| Finder Fee Cap | 20% (after 24mo), 35% (before escheat) |
|---|---|
| Waiting Period | 24 months before finders can charge fees |
| Finder License Required | No |
| Dormancy Period | 3 years |
| Reporting Deadline | November 1 |
| Holding Period | Indefinitely |
New Jersey Department of Treasury
(609) 292-9200
Dense population, high volume. Pays interest from receipt to return. Never escheats to state.
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