Missouri

Missouri’s unclaimed property program is administered by the Missouri State Treasurer’s Office under Chapter 447 of the Missouri Revised Statutes. Whether you’re tracking dormant accounts or handling uncashed checks, understanding the state’s requirements is essential for maintaining escheatment compliance.

Overview of Missouri’s Unclaimed Property Law

Under Missouri’s Uniform Disposition of Unclaimed Property Act, businesses and other entities—known as “holders”—are required to report property that has remained unclaimed by its rightful owner for a defined dormancy period.

Common types of reportable property include:

• Checking, savings, and investment accounts
• Uncashed payroll, dividend, or vendor checks
• Insurance policy proceeds
• Utility refunds or credit balances
• Safe deposit box contents

Once the dormancy period is met, holders must perform due diligence and submit a report to the state.

Explore our full escheatment process guide for a step-by-step overview.

Missouri Dormancy Periods

Dormancy periods vary depending on the asset type. Missouri’s standard timelines include:

Stay ahead of these deadlines with Dormant Account Monitoring from Eisen.

Due Diligence Requirements in Missouri

Before reporting property, holders must attempt to contact the rightful owner. This step helps prevent escheatment and supports your audit record.

Minimum requirements include:

• Mailing a first-class notice to the owner’s last known address no more than 12 months before filing for property valued at $50 or more
• Notices must include the nature of the property and instructions for reclaiming it
• Additional outreach, such as email or phone, is recommended

Eisen’s escheat mail management system automates this step to keep your outreach timely and documented.

Missouri Reporting Deadlines and Requirements

Missouri’s reporting requirements vary depending on the type of holder.

• Life Insurance Companies:
  
  • Report Period: January 1 - December 31
  • Report and Payment Deadline: May 1
• All Other Businesses:
  
  • Report Period: July 1 - June 30
  • Report and Payment Deadline: November 1

Additional requirements include:

• Format: NAUPA II electronic filing via the Missouri Treasurer’s Portal
• Negative Reports: Not required
• Remittance: Accepted via check
• Securities: Must be pre-approved and transferred following state instructions

Missouri’s Voluntary Disclosure Program

Missouri does not offer a formal Voluntary Disclosure Agreement (VDA) to report past-due property. Read more about the reporting requirements on Missouri Reporting Unclaimed Property.

Learn more about maintaining compliance with our unclaimed property guide.

How Eisen Helps You Stay Compliant in Missouri

Eisen simplifies the Missouri escheatment process by automating reporting, outreach, and disbursement activities—all in a single, audit-ready platform.

Our platform includes:

• Escheatment Manager – Monitors dormancy periods, applies Missouri-specific rules, and prepares NAUPA-compliant files
• Outreach Manager – Sends required notices with tracking and verification, ensuring audit defense
• Disbursement Manager – Handles refunds, reversals, and pre-escheatment payments via secure channels

We also support use cases like outstanding check reconciliation and escheatment for high-volume payment workflows.

Turn Missouri Compliance into a Strategic Advantage

Missouri’s escheatment requirements may be detailed—but with Eisen, compliance becomes proactive, automated, and dependable. Our tools give your team confidence to meet deadlines, reduce audit exposure, and deliver real value back to your business and customers.

Need to manage multiple states? See our full guide on escheatment laws by state.