North Dakota

The North Dakota State Treasurer’s Office, Unclaimed Property Division administers the state’s unclaimed property program under the North Dakota Uniform Unclaimed Property Act. From dormant accounts to uncashed checks, holders are required to report unclaimed property accurately and on time.

Overview of North Dakota’s Unclaimed Property Law

North Dakota law requires holders—including businesses, financial institutions, insurance companies, and other entities—to report and remit unclaimed property after a designated dormancy period. Once property is presumed abandoned, holders must complete due diligence and file a report with the state.

Examples of reportable property include:

• Checking and savings accounts
• Uncashed payroll and vendor checks
• Stocks, dividends, and other securities
• Refunds, credits, and overpayments
• Safe deposit box contents
• Insurance proceeds and annuities

North Dakota Dormancy Periods

Property is considered abandoned after a period of owner inactivity. Below are common dormancy timelines by NAUPA property code:

Note: Dormancy timelines may be updated by statute. Be sure to refer to the North Dakota State Treasurer’s Office for the latest requirements.

Due Diligence Requirements in North Dakota

Before reporting, holders must make good faith efforts to contact owners:

• Mail notice: Send by first-class mail to the last known address no more than 120 days before filing, for property valued at $25 or more.‍
• Optional outreach: Supplemental methods (email, phone) are encouraged to improve reconnection rates and support audit readiness.

North Dakota Reporting Deadlines and Requirements

North Dakota 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:

• Format: Reports must be submitted electronically via the North Dakota Holder Reporting Portal in NAUPA II format.
• Negative Reports: Not required, but encouraged when no properties are due.
• Remittance: Accepted via ACH Debit, ACH Credit, and Wire Transfer.

Read more about North Dakota’s Unclaimed Property Reporting Guidelines.

North Dakota’s Voluntary Disclosure Program

North Dakota offers a Voluntary Disclosure Agreement (VDA) for eligible holders of unclaimed property to voluntarily report past due items.

Program benefits include:

• Penalty- and interest-free resolution of past-due property.
• Flexibility in remittance timelines when disclosures are made proactively.
• Reduced audit exposure through voluntary compliance.

VDAs require holders to self-review records and coordinate directly with the Treasurer’s Office.

How Eisen Helps You Stay Compliant in North Dakota

Eisen’s platform optimizes every step of the escheatment process—making compliance more efficient and audit-ready:

• Escheatment Manager – Identifies unclaimed property, tracks dormancy thresholds, and generates North Dakota–compliant reports.
• Outreach Manager – Automates due diligence across mail, email, and phone with full documentation.
• Disbursement Manager – Executes secure, auditable payments (ACH, check, wire) to resolve liabilities before reporting.

We also provide tailored solutions for industries including banking, insurance, healthcare, and utilities, ensuring compliance across industries.

Make North Dakota Compliance a Strategic Advantage

With Eisen, North Dakota escheatment compliance becomes more than a requirement, it becomes a driver of operational integrity. By turning a complex obligation into a streamlined process, we help you reduce risk, maintain audit readiness, and build trust with customers year after year.

Explore our escheatment services to learn how Eisen can transform your unclaimed property operations in North Dakota and beyond. Need to manage multiple states? See our full guide on escheatment laws by state.