U.S. Virgin Islands Unclaimed Property

Complete Guide to Searching and Claiming in USVI [2026]

The Good News: You Can Search for Free

Searching the U.S. Virgin Islands unclaimed property database is completely free. Visit the official territory portal:

This is the official portal operated by the Office of the Lieutenant Governor using the Kelmar Abandoned Property System (KAPS).

Before You Search: What to Expect

The search itself is straightforward, but you'll encounter a few hurdles:

  • Security Verification: The USVI portal uses Cloudflare Turnstile to verify you're human. You may need to complete a verification challenge before searching.
  • Limited Search Options: The database only lets you search by name or business name — no batch searches or wildcard matching.
  • One Jurisdiction at a Time: This database only shows property held by the U.S. Virgin Islands. Your company may have unclaimed property across 53 other U.S. jurisdictions.
Did you know? The average business has unclaimed property in 12-15 states. Large companies often have assets in all 54 U.S. jurisdictions.

The Real Challenge: It's Not Just USVI

Searching the U.S. Virgin Islands is one search. To thoroughly check for your company's unclaimed property, you'd need to:

54 Different Websites

Each jurisdiction has its own portal. Different URLs, different logins, different interfaces.

54 Security Checks

CAPTCHAs, bot detection, verification challenges — on every single site.

54 Different Claim Forms

Each jurisdiction requires different documentation. Some accept online claims, others require notarized paper forms.

Processing: 30 Days to 6+ Months

USVI takes approximately 60-90 days. Other jurisdictions may take longer. Each requires separate tracking.

Do the Math: If each jurisdiction search takes 10 minutes (with CAPTCHAs and slow portals), searching all 54 takes 9+ hours. And that's before you even start the claim process.

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USVI Claim Process Details

If you prefer to search and claim manually in the U.S. Virgin Islands, here's what you need to know:

About the USVI Unclaimed Property Program

The U.S. Virgin Islands unclaimed property program is administered by the Office of the Lieutenant Governor through the Division of Banking, Insurance and Financial Regulation. The program operates under the Virgin Islands Uniform Unclaimed Property Act (28 VIC 651 et seq.), signed into law in 2008. The USVI currently holds approximately $15.9 million in unclaimed property. Since the online database launched in April 2024, over $557,000 has been returned to 171 individuals. Common types of unclaimed property include dormant bank accounts, uncashed checks, insurance proceeds, utility deposits, and securities.

How to File a Claim
  1. Search the Database: Visit usviclaims.unclaimedproperty.com and search by name or business name.
  2. File a Claim Online: The KAPS portal allows you to file claims directly online through the system.
  3. Submit Documentation: Provide government-issued identification, proof of ownership, and any supporting documentation such as corporate resolutions or articles of incorporation for business claims.
  4. Wait for Processing: Claims are reviewed and processed by the Office of the Lieutenant Governor.
Required Documentation
  • Government-issued photo ID (driver's license or passport)
  • Proof of ownership or entitlement to the property
  • Social Security Number or EIN verification
  • For businesses: Articles of Incorporation, corporate resolution, or letter of authorization
  • For estates: Death certificate, letters testamentary, or probate documents
Processing Timeline

The U.S. Virgin Islands typically processes claims in 60-90 days, though complex claims involving businesses, estates, or large amounts may take longer. The KAPS platform provides status updates as your claim is reviewed.

Dormancy Periods

Dormancy periods in the USVI vary by property type under 28 VIC 653:

  • Wages and utility deposits: 1 year
  • Insurance policies and IRAs: 3 years
  • Bank accounts and CDs: 5 years
  • Stocks and securities: 5 years
  • Safe deposit boxes: 5 years
  • Money orders: 7 years
  • Traveler's checks: 15 years

Frequently Asked Questions

The Office of the Lieutenant Governor of the U.S. Virgin Islands is responsible for managing the territory's unclaimed property program. They maintain the online search portal and process all claims.

Yes, the U.S. Virgin Islands uses the Kelmar Abandoned Property System (KAPS), the same platform used by 45+ states. This means the search interface and claim process will be familiar if you've used other state portals.

No, you do not need a lawyer to claim unclaimed property in the U.S. Virgin Islands. The process is designed to be straightforward. However, complex claims involving estates, business succession, or large amounts may benefit from professional assistance.

Not through state websites. Each jurisdiction operates its own separate database. To search all 54 U.S. jurisdictions, you'd need to visit 54 different websites. Services like Claimiflo automate this process by searching all jurisdictions simultaneously.

USVI Quick Facts

  • Administering Agency
    Office of the Lieutenant Governor
  • Processing Time
    60-90 days (varies)
  • Online Claims
    Yes (KAPS portal)
  • Platform
    KAPS (Kelmar Abandoned Property System)
  • Dormancy Period
    3-5 years (varies by property type)
  • Complexity
    Moderate

Contact USVI

Office of the Lieutenant Governor

St. Thomas:

(340) 774-2991

No. 5049 Kongens Gade, St. Thomas, VI 00802

St. Croix:

(340) 773-6449

1131 King Street, Suite 101, Christiansted, VI 00820

Monday-Friday, 8:00 AM - 5:00 PM AST

Search Portal | ltg.gov.vi

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Explore Other Territory & State Guides

Puerto Rico ~45 days
Guam 60-90 days
Washington D.C. ~30 days
Florida 60-90 days
New York 60-90 days
California 60-180 days
View All 54 U.S. Jurisdictions

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