Unclaimed Property

1. What Is Unclaimed Property?

Unclaimed property generally refers to financial assets that have been inactive for a period of time defined by state law (for example, a deposit account with no customer-initiated activity). When an account becomes dormant, banks may be required to transfer (“escheat”) the funds to the customer’s state of last known address.

2. What Causes an Account to Become Dormant?

Dormancy rules vary by jurisdiction and product type. Common examples of activity that may not count toward keeping an account active include service charges, interest credits, or Bank-initiated activity. Examples that typically count include:

• Signing in to Online Banking and completing a transaction
• Depositing or withdrawing funds
• Using your debit card for a purchase
• Sending a transfer (ACH/wire) or bill payment
• Contacting us and responding to verification requests

3. How to Avoid Dormancy

• Keep your contact details updated (email, phone, and mailing address).
• Review statements and alerts regularly.
• Maintain periodic customer-initiated activity, even if minimal.
• Respond promptly if we contact you about a dormant or inactive account notice.

4. How to Claim Unclaimed Property

If funds have already been turned over to a state authority, the state (not the Bank) will handle the claim process. Generally, you will need to:

• Search your state’s unclaimed property database.
• Submit a claim with proof of identity and address.
• Provide supporting documents if requested (e.g., account documentation).

If you need help identifying the appropriate state or obtaining historical account documentation (where available), contact us.

5. Contact

For questions about unclaimed property or dormancy notices:

Last updated: April 19, 2026