Accord Station is an agency that aims to assist individuals and businesses improve their financial interests, recover lost assets and discovering programs they may qualify for, even if they have no prior knowledge about them.

With countless governmental and non-governmental financial assistance programs available to Americans today, it is not uncommon for people to be unaware of the opportunities they may be eligible for. This lack of awareness can result in missed opportunities for personal growth, financial assistance, educational advancements, and more. At Accord Station, we strive to bridge this gap by providing a comprehensive service that helps individuals navigate through various programs and determine their eligibility.

Our team of highly qualified professionals has extensive knowledge and experience in researching and assessing eligibility criteria for a wide range of programs. We are dedicated to helping individuals discover the programs that align with their unique circumstances.

Here is a brief overview of how our intermediary services work:

• Program Research: Our team conducts a thorough research survey on a wide range of programs, both governmental and non-governmental, to identify free funding assistance programs aiming towards helping individuals discover financial opportunities open around them. After a quick review, We contact individuals whose record's matches their profile ensuring accurate and personalized recommendations.

• Contact: We reach out to individuals whose profiles meets the criteria specified by any of these programs by contacting them. An initial consultation to assist, guide and help you start a claim or recovery process would be taken up.

• Eligibility Assessment: Once we have identified potential programs, we assess your eligibility based on the specific requirements of each program. Our experts meticulously review your information to determine whether you meet the necessary criteria and provide you with a detailed report.

• Application Assistance: We offer guidance and support throughout the application process to ensure a smooth and hassle-free experience. Our team will provide you with step-by-step instructions, necessary documentation, and any additional information required to complete the application successfully.

• Follow-up and Updates: We understand that programs and their criteria can change over time. Therefore, we maintain a proactive approach by regularly updating you on any changes that may affect your progress status. Additionally, we offer ongoing support and guidance to help you make the most of the programs you qualify for.

We firmly believe that everyone deserves equal access to the programs designed to support their personal and professional growth. We are committed to empowering individuals by helping them discover open opportunities they may have never known existed.

At Accord Station one of our main objective is to help improve the lives of our clients to be in control of their financial lives. Our team aims to support people in getting free financial aids, make informed financial decisions and plan for the future.

We use our platform to educates our clients to better understand about some possible financial aids available to them, as well as providing timely messages to clients on emerging issues.

Accord Station is responsible for:

 • Globally delivering financial stability to our clients annually.

 • Supporting the delivery of financial education, by educating those who may not have the financial knowledge to navigate through achieving financial success.

 • Ensuring the needs of Indigenous consumers are addressed effectively and appropriately through the Indigenous Outreach process.

Searching and applying for grants program can be a great way to receive financial assistance for various purposes such as education, business start-up, or housing. However one common concern that individuals may have is whether they can apply for such grants if they have bad credit. We will explore this question in detail and provide you with the information you need to know.

 • Understanding grants:

Grants are financial awards given by the government or other funding institutions to individuals or organizations to support specific projects or initiatives. However some of these grants do not need to be repaid, making them an attractive option for those looking for financial assistance. However, the eligibility criteria for each grant program may vary.

 • Credit scores and grant eligibility:

While credit scores are used to determine eligibility for loans and other forms of credit, they do not typically play a significant role in determining eligibility for grants especially when seeking for a government grant. Grant programs are generally designed to assist individuals or organizations based on their need or the nature of their project, rather than their creditworthiness.

• Eligibility criteria for government grants:

Each government grant program has its own set of eligibility criteria, which typically focus on factors such as income, age, location, and the purpose of the grant. These criteria are used to determine whether an applicant meets the requirements for the specific grant program.

 • Factors considered in grant applications:

When applying for a grant, factors such as the purpose of the grant, the potential impact of the project, and the applicant's ability to successfully carry out the project are often considered. Credit scores are generally not taken into account when evaluating grant applications.

• Grant programs for individuals with bad credit:

Some grant funding programs specifically target individuals with low income or bad credit. These programs aim to provide assistance to those who may face challenges accessing traditional forms of credit. These grants may be available for purposes such as education, housing, an existing business or small business start-up.

• Alternative options for individuals with bad credit:

If you have bad credit and are interested in accessing financial assistance, there are alternative options you can consider. These may include loans or programs specifically designed for individuals with low credit scores. Additionally, improving your credit score over time can increase your eligibility for various forms of financial assistance.

 • Seeking professional assistance:

If you are unsure whether you are eligible for a specific grant program or you need help in navigating through the application process, it can be beneficial to seek professional assistance. There are organizations and individuals who specialize in helping individuals apply for grants and can provide guidance based on your specific circumstances.

In conclusion, having bad credit should not discourage you from applying for a grant programs. While credit scores are generally not a significant factor in grant eligibility, it is important to review the specific eligibility criteria of each program. Additionally, exploring alternative options and seeking professional assistance can increase your chances of accessing the financial assistance you need.

THINGS YOU SHOULD KNOW WHEN APPLYING FOR A GRANT

There are things you should know before you start any grant process with intention of getting approved for a grant. The grant funding institutions offers a variety of grants, which are typically given to individuals, students, communities and institutions, businesses or organizations for a specific purpose. Some of the most common types of grants include individuals grants, educational or students grants, business grants, startup grants, disaster grants, and research grants.

Individual grants: are funding given out by the federal government or private organizations for eligible expenses or specific purposes. Unlike loans, the money is a gift, but the number of recipients and funds are limited, and eligibility and use requirements are strict.

Business grants: A business grant is a sum of money given to a businesses, institutions or organizations in order to help them further improve their business for the interests of the general public. They're usually distributed by governments, corporations, foundations, or trusts.

Start-up: A startup small business grant is monetary funding from the government or an organization that is given in order to help new and upcoming small companies and nonprofits succeed in building and growing their business. Unlike loans, you don't have to pay this money back.

Student Grants: A student grant is one of the types of financial assistants that is provided to students by the federal government and some other agencies, foundations and various other organizations to help them through their education period. 

The first step in applying for a grant is to identify the type of grant you need. Once you know what type of grant you need, you can begin researching which agencies offer the type of grant you need. Each agency has its own process for awarding grants, so it is important to read the agency's guidelines carefully.

After you have identified the agency that you need to apply to, you will need to gather the required documentation. The agency will need information such as your name, contact information, and a description of your project. You will also need to provide a budget for your project.

Once you have gathered all of the required documentation, you will need to submit an application to the agency. The application will ask for basic information about your project, as well as your budget. The agency will review your application and determine whether or not you are eligible for the grant. If you are eligible, the agency will award you the grant.

The process of applying for a grant can be time consuming, but it is worth it if you are awarded the grant. The money from the grant can be used to fund a variety of projects, such as research projects, educational projects, or business projects.

GRANT APPLICATION PROCESS

Applying for a government grant can be a daunting task, but with a little research and preparation it can be a relatively straightforward process. The first step is to identify the funding institutions that offer the type of grant you are seeking. Once you have identified the appropriate agency, you will need to submit a grant proposal. The grant proposal should include a detailed description of the project or program for which you are requesting funding, as well as information about your organization and its ability to carry out the project or program.

The grant proposal will be reviewed by a panel of experts, who will make a recommendation to the agency decision-makers about whether or not to fund your request. If your proposal is approved, you will be notified and asked to sign a grant agreement, which outlines the terms and conditions of the grant.

Once you have signed the grant agreement, you will be responsible for carrying out the project or program according to the terms of the agreement. This may include reporting requirements and performance milestones. If you successfully complete the project or program, you may be eligible for additional funding in future years.

Government grants can be an important source of funding for organizations working on projects or programs that benefit the individual or public for good. By following the tips outlined above, you can increase your chances of success in securing government funding for your personal assistance or your organization.

CAN I APPLY FOR A GRANT IF I HAVE ALREADY EXISTING DEPT?

Yes, you can apply for a government grant program even if you have existing debt. However, the presence of debt may affect your eligibility for certain types of grants or the amount of grant funding you can receive. Below, we will discuss several key points to consider when applying for a government grant while having existing debt.

• Debt-to-Income ratio: When evaluating grant applications, some government programs consider the applicant's debt-to-income ratio. This ratio measures the proportion of income that goes towards debt payments. If your debt-to-income ratio is too high, it may raise concerns about your ability to manage additional funding. However, each grant program has its own specific requirements, so it's important to review the eligibility criteria for the particular grant you are interested in.

 • Grant Purpose: The purpose of the grant can also influence your eligibility. Some grants are specifically meant to help individuals or businesses pay off debt, while others may be focused on different areas such as education, research, or community development. It's essential to carefully read the grant guidelines to determine if your debt situation aligns with the grant's intended purpose.

 • Creditworthiness: In some cases, grant programs may assess your creditworthiness when reviewing your application. A poor credit history or a low credit score may raise concerns about your ability to manage grant funds responsibly. However, not all grant programs consider creditworthiness, so it's essential to research the specific requirements of the grant you are applying for.

• Prioritization of Funding: Grant programs often prioritize funding for specific purposes or target populations. For example, grants aimed at supporting small businesses or research institutions may have limited funding available. In these cases, applicants with existing debt may face more competition and have a lower chance of receiving a grant due to the program's prioritization criteria.

• Debt Management plan: Demonstrating a proactive approach to managing your debt can strengthen your grant application. If you have a repayment plan in place, highlighting this in your application can show that you are actively working towards improving your financial situation. This may help alleviate concerns about your ability to handle additional funding responsibly.

• Other Financial Factors: It's important to consider other financial factors that may impact your eligibility for a grant. For example, if your debt is mainly student loans, you may still be eligible for certain grants that specifically target education-related expenses. Additionally, grants may prioritize applicants with financial need, so having existing debt could potentially work in your favor if it demonstrates financial hardship.

• Seek Professional advice: If you have significant debt and are unsure about your eligibility for a grant, it may be beneficial to seek advice from a financial advisor or a grant specialist. They can provide personalized guidance based on your specific circumstances and help you navigate the application process effectively.

In conclusion, having existing debt does not necessarily disqualify you from applying for a grant. However, it may impact your eligibility or the amount of funding you can receive. Understanding the specific requirements of the grant program and presenting a well-prepared application that addresses any concerns related to your debt can improve your chances of success.

HOW TO APPLY FOR A STUDENT GRANT?

There are a few things to remember when applying for a student grant. The first is to make sure that you are eligible. The second is to fill out the application completely and accurately. The third is to submit your application on time.

To be eligible for a grant, you must be a U.S. Citizen or permanent resident alien, 18 years of age or older, and have a demonstrated financial need. You must also be attending an accredited college or university, or be planning to attend one within the next 12 months.

To complete the application, you will need to provide personal information such as your name, address, date of birth, and social security number. You will also need to provide information about your educational background and your financial need. Be sure to answer all questions truthfully and completely.

The deadline for submitting your application will vary depending on the grant program. Be sure to submit your application well in advance of the deadline to ensure that it is received and processed in time.

If you are awarded a grant, the money will be sent directly to you to help pay for your education expenses. Be sure to keep track of how you spend the money so that you can report back to the financial institution responsible for your funding on how the grant helped you achieve your educational goals.

applying for a student grant can be a great way to finance your education. Just be sure to do your research, complete the application accurately, and submit it on time.

HOW TO APPLY FOR GOVERNMENT GRANTS?

First, let's start with the basics. What is government grant? Government grants is a funding aid that is given by the government to individuals or organizations as an assistance aids for a specific purpose. Grants are typically awarded based on need or merit, and they do not need to be repaid.

Now that we've got that out of the way, let's take a look at some of the most popular government grants for small businesses.

The Small Business Administration (SBA) is a great place to start your search for small business grants. The SBA offers a variety of grants for businesses in different industries, including grants for women-owned businesses, minority-owned businesses, and businesses located in rural areas.

Another great resource for finding small business grants is Grants.gov. This website is a central database for all federal grant opportunities. You can search for grants by keyword, category, or agency, and you can also sign up for email alerts to be notified when new grant opportunities become available.

Once you've found a few grant opportunities that you're interested in, the next step is to apply for them. The application process will vary depending on the grant program, but in general, you'll need to submit a grant proposal outlining your business idea and how the grant money will be used. The proposal will be reviewed by a panel of experts, and if it is approved, you'll be awarded the grant.

applying for government grants can be a time-consuming process, but it's definitely worth it if you're able to get the funding you need to start or grow your business. So don't be discouraged if you don't get approved for every grant you apply for - just keep trying and eventually you'll find one that's a good fit for your business.

The government grant process can be a challenging one, but with the right strategy, it can be a very rewarding experience. To get started, you'll need to complete a few steps:

First, you'll need to find out what your business is and what its goals are. This will help you create a concept for your project that is both achievable and marketable.

Next, you'll need to find a government agency that would be interested in helping your business. There are many different agencies out there that would be interested in helping small businesses like yours. Try contacting them and asking for help finding a grant.

Once you've received help from the government agency, it's time to begin the application process. This will require filling out an application form and submitting all of your information. Be sure to include all of your business information, including your company name, contact information, and goals. You should also provide any additional information that the agency may need such as your financial information or marketing data.

Once you've submitted all of your paperwork, you'll need to wait for their decision. It can take some time, so don't be discouraged if your application doesn't receive immediate attention. In most cases, the government will contact you directly once they have a decision made.

STARTUP GRANT APPLICATION.

As a startup, one of the best things you can do is secure government grant money. Grants can provide much-needed funding for your business, and they don't have to be repaid. However, the process of applying for a startup grant can be complex.

Here are some tips on how to apply for a startup grant:

 • Do your research: There are many different types of startup grants available, so its important to do your research and find the one that right for your business.

 • Follow up: Follow the application instructions carefully. Make sure you read and understand the eligibility requirements and application process before you start filling out the forms.

 • Put together a strong application: Your application should be well-written and include all of the required information.

• Submit your application on time: Make sure you submit your application by the deadline. Late applications are in most cases not considered.

 • Follow up after you submit your application: Once you have submitted your application, follow up with the contact person to make sure they received it and that everything is in order.

By following these tips, you will increase your chances of securing a grant money for your startup.

Securing government grant money for your startup.

The U.S. Government offers many types of grants, which are typically awarded to organizations or individuals that demonstrate a need for the funding. Applying for a grant can be a competitive process, and it is important to put together a strong application in order to increase your chances of being awarded the funding you need. There are a few key things to keep in mind when applying for a government grant.

First, you will need to identify the specific grant program that you are interested in applying for. Each grant program has its own eligibility requirements, so it is important to make sure that you meet the criteria before moving forward with your application.

Once you have identified the grant program you would like to apply for, the next step is to put together a strong application. Your application should include detailed information about your organization or project, as well as your proposed use for the funding. You will also need to provide financial information and demonstrate that you have the ability to repay any funds that you are awarded if it not a free grant.

The government offers many different types of grants, so it is important to do your research and identify the programs that best fit your needs. Applying for a grant can be a competitive process, but if you take the time to put together a strong application, you increase your chances of being awarded the funding you need.

 • The Complete Guide; Things to consider before you apply for any type grant?

There are a few things you should know before you apply for any type grant. The first is that several grant funding institutions offers a wide variety of grants, and there is bound to be one that can help you with your specific needs. The second is that the process of applying for a grant can be lengthy and complicated, so it is important to be prepared.

The first step in applying for a grant is to find the right grant for your needs. The best way to do this is to search the Catalog of Federal Domestic Assistance, which is a database of all federal programs that offer financial assistance. You can search by keyword, category, or agency.

Once you have found a few potential grants, it is time to start the application process. The first thing you will need to do is gather all of the required materials, which can vary depending on the grant you are applying for. These materials may include things like financial statements, tax returns, and business plans.

After you have all of the required materials, you will need to fill out the application form. This form will ask for basic information about your business, as well as your goals for receiving the grant. Be sure to answer all questions truthfully and correctly, as any false information could disqualify you from receiving the grant.

Once you have submitted your application, it will be reviewed by a panel of experts. They will look at your business plan and decide if you are a good candidate for the grant. If they approve your application, you will be notified and given instructions on how to proceed. If your application is denied, you will receive a letter explaining why.

The final step in the process is to actually receive the grant money. This can take several weeks or even months, depending on the grant you applied for. Once the money arrives, it is up to you to use it wisely and put it towards growing your business.

Applying for a grant can be a long and complicated process, but it is worth it if you are able to get the funding you need to grow your business. With a little research and perseverance, you can find the perfect grant for your needs and finally get the financial assistance you deserve.

When a loved one passes away, locating a life insurance policy can be a challenging but necessary task especially when you have no idea if they ever had one in their name at their previous place of work or if one might have been opened on their behalf by any of these employers. A death in service benefit or life insurance policy is a long-termed insurance which an employer provides to their staff. It is set up by employers to cover their workers while they are employed within the organization. There are some steps you can take to get the information you need. Here are a few tips to guide your search.

Tips for finding a lost life insurance policy

IN THIS ARTICLE

• Search the deceased's documents and correspondence.

• Submit a request with us.

• Be aware of special challenges.

• Keep in mind our services are fee-based.

Search the deceased's documents and correspondence.

In many cases, evidence of policy and any relevant information

• Search through paper and digital files, bank safe deposit boxes, and other storage spaces for insurance-related documents.

• Check bank statements for checks or automatic drafts to life insurance companies.

• Check thfe deceased’s mail and email for premium or dividend notices. If policy payments are up-to-date, there will be no notice of premium payments due; however, the company may still send an annual notice regarding the status of the policy or statement of a dividend.

• Review the deceased’s tax returns for the past two years for a record of interest income or expenses paid to life insurance companies. Life insurance companies pay interest on accumulations on permanent policies and chart interest on policy loans.

• Check the application for each life insurance policy you find. This document, typically attached to the policy, will have a list of any other life insurance policies owned at the time of the application.

• Talk to the deceased’s banker, financial adviser, and attorney.

If this search turns up empty, there are still actions you can take.

Submit a request with us.

As part of our services we also assist our clients in locating lost or forgotten life insurance policies. Once a request is received we contacts participating companies to search their records to determine whether they have a life insurance policy in the name of the deceased you entered. If they do, the participating company will respond to you.

Chat our team to use our service. You will need information from the death certificate, including social security number, legal first and last name, date of birth, and date of death.

Be aware of special challenges.

There may be circumstances that complicate the search for a loved one’s life insurance policy:

• The insurance company changed its name or sold the policy to another company: Accord Station will provides tips on finding insurance companies that have changed their names, merged with other insurance companies, or sold blocks of policies to other insurance companies.

• The company went bankrupt: we will help you go through the process of contacting the state life and health guaranty association where the insuranceit traced to. Accord Station has a search tool to find your state guaranty association. Guaranty associations provide a safety net for their state’s policyholders, ensuring continued coverage up to the limits outlined in state law.

• If the policy may have been purchased outside the United States of America: We will help you Reach out to the country's Ombudservice for Life and Health Insurance for information.

Keep in mind our services are fee-based.

Sometimes, even despite all the best efforts, finding an insurance policy when a loved one has passed away can seem overwhelming. In these cases, it is helpful to know that Accord Station has an insurance claim agency corporation, offers services for a fee. Our services may be able to find evidence of life insurance applications and indicate whether a life insurance policy was purchased. Additionally, we assure 100% transparency, accountability and commitment to our clients till the insurance claim is paid. Accord Station can assist you with the search and start a claim for a lost life insurance policy for 0.05% as service fee.

If you think that a government agency has money, property, or another asset that belongs to you, you need to have this information to claim it:

• what specific money, property, or asset you want to claim

• the date on which you expected to get it

• how you expected to get it

• which government agency has it

Each agency keeps its own records. There is no governmentwide, centralized source for unclaimed money or other assets.

The agency should be able to help you figure out the current status of a payment. (For example, the IRS has a link on its website to help you find out about a refund you expected.)

Unused funds are being returned to the agencies

The Bureau of the Fiscal Service, issue payments on behalf of many federal agencies. (For example, if you get a veteran's benefit check every month, the VA tells the bureau of the fiscal service to pay it and we issue the payment.)

When The State Treasury Department that issued the payment learns that the payment can't be delivered or isn't cashed in the allotted time or is returned for another reason, they cancel the payment and return the money to the relevant agency.

If you are missing a payment, you must go to the agency to have them tell us to issue it again.

If you are not sure about unclaimed money

In most cases most Americans don't know they have unclaimed money somewhere which is later turned over to the government when the claim period is overdue. Get connected with us to assist you go through the search process for unclaimed money that might be owed to you.

If you get a letter saying that a company can help you if you pay them

Be careful of fake agencies that claims to be in the business of helping people get unclaimed money.

Here's how we help our clients: We use the Freedom of Information Act (FOIA) to get information on checks that government agencies (federal, state, and local) issue's but have not been cashed by the owners. If we succeed to match a check in the list, we try to find you and offer to try to collect the money from the agency for you. For a service fee of 0.05% after funds is paid to you.

There’s around $40 billion of lost money to be claimed from bank accounts, stocks, unclaimed grants, shares, investments and lost, forgotten or unclaimed insurance policies. We have already explained how it becomes unclaimed and how to find out if you have any.

• Why does the Government hold unclaimed money?

• How do you find unclaimed money?

• Other places to search for lost money

Why does Government hold unclaimed money?

The ‘unclaimed money’ which governments administers is money in bank accounts. insurance policies, grants, stocks and investments which has not been touched or claimed for a certain amount of time.

This can happen when an individual dies, or when an individual changes address or go overseas and forgets to update their details with a financial institution or company. Individuals may be unaware there is money to which they have a rightful claim.

Bank accounts become unclaimed after 7 years if the account is inactive. Life insurance policies become unclaimed 7 years after the policy matures and is not claimed.

Overdue unclaimed money is transferred to the government Revenue Fund of the country where the individual is a citizen. The Government maintains and publishes a database of unclaimed money records which helps people find and claim their lost money. The rightful owner can claim their money at any time – there is no time limit.

Interest is payable to the claimant on the unclaimed money if held since 1 July 2013. Find out how interest is paid.

How do you find unclaimed money?

Finding unclaimed money is easy. Simply apply and we'll use our search database to find information that matches you. If the name you are searching for has unclaimed assets, we'll will proceed to provide the details of how to make a claim.

There are other processes for tracking and claiming lost superannuation, money held by state governments, and unpaid wages:

* Taxation Office – We find lost superannuation for our client through the Taxation Office in your country.

* State government – We find lost money from deceased estates, lost share dividends, salaries and wages, cheques, over-payments, proceeds of sale and more.

* Profile - Check your profile details are up to date to make sure you're getting the Medicare benefits you're entitled to)

Life insurance policy claims.

If you've found your name on an unclaimed money search and the money is from a life insurance policy, here's how to claim it and what money may be held.

What money may be held from life insurance policies

The State Treasury Department holds money from life insurance policies from insurance companies or friendly societies that have been unclaimed for 7 years after the policy matures. On 31 December 2015 this changed from 3 years.

The treasury unclaimed money search database goes back to 1952 for life insurance companies and back to 2000 for friendly societies.

How to claim life insurance money

If you have found your name on an unclaimed money search and the money is from a life insurer or friendly society, you will need to approach the relevant institution. They are responsible for assessing the rightful owner of the funds.

If your claim is successful, the institution will notify the treasury department. The State treasury department will then release the funds to the institution so the institution can then pay you.

On the life insurance policy, there will be two names listed. One is the life insured and the other is the policy owner (who is listed in brackets). When the name of the life insured differs from the policy owner, the unclaimed money can only be claimed by the policy owner unless the life insured is able to prove otherwise. The insurance company will be able to answer any questions you have about the names listed.

How long your claim will take

You need to check with the life insurance company to find out how long it will take to process your claim. Generally, the treasury department will take up to 60 days from the time Accord Station lodges the claim with the life insurance company. The treasury department will then release the funds to the insurance company so the insurance company can then pay you.

The claims process

Step 1 — Record your Original Transaction Number (OTN)

If we finds your name on an unclaimed money search, then you would also have seen a unique Original Transaction Number (OTN). Please note down your OTN. You will need your OTN to make a claim.

Step 2 — Confirm insurance company details

Check our list of life insurance companies and friendly societies to find out which one you need to contact to claim on the insurance policy.

Step 3 — Contact the insurance company

We will on your behalf speak to the 'unclaimed money officer' to begin the claims process. They will tell us what proof of claim documents you need to give them. You may need to locate documents to prove you own the policies or are the beneficiary

Step 4 — Insurance company processes your claim

Once your claim is approved by the insurance company and they have contacted treasury department, it usually takes 60 days to release the funds to them so they can pay you.

Find money from deceased estates, dividends and other sources

State governments hold unclaimed money from unclaimed grants and insurance policy,  deceased estates, share dividends, salaries and wages, checks, trust money, over-payments and proceeds of sale, to name a few.

Search for dividends and other money

Contacting the government agencies for unclaimed money such as unclaimed grants, unclaimed or forgotten insurance policy payouts, dividends, salaries and wages, rent and rental bonds, checks, trust money, deceased estates, over-payments, principal and interest, expenses, refunds, deposits, premiums, royalties, commissions, creditors, debentures, bonds, convertible notes and proceeds of sale.

Your state government agency may not hold all types of money listed above.

Bank accounts and other money from banks.

If we have found your name on any unclaimed money search and the money is from a bank account, here's how we help our clients claim the money.

We also explain what bank account money, government holds and how far back our database goes.

How to claim bank account money?

If we have found your name on an unclaimed money search and the money is from a bank account, we will need to approach the relevant financial institution. They are responsible for assessing the rightful owner of the funds.

If the claim is successful, the bank will notify the state treasury department. The state treasury department will then release the funds to the bank so the bank can then pay you.

How long your claim will take?

We usually check with the bank to find out how long it will take to process a claim. Generally, the state treasury department will take up to 60 days from the time the bank lodges the claim with them then they will release the funds to the bank so you can get paid.

The claims process

Step 1 — Record your Original Transaction Number (OTN)

If we finds your name on the state treasury department unclaimed money search, then we would also have seen a unique Original Transaction Number (OTN) relating to your claim. We usually notes down your OTN to make a claim.

Step 2 — Confirm bank details

We check the list of banks, building societies and credit unions to find out which one we will need to contact to claim on your old bank account.

For a complete list of banks, building societies and credit unions that are authorized to operate in America, see the America's Prudential Regulation Authority's list of Authorized Deposit taking Institutions.

Step 3 — Contact the bank

We speak to their 'unclaimed money officer' to begin the claims process on behalf of our clients. They will tell you what proof of claim documents you need to give them (driver's licence, passport, bank statements, passbook) to prove who you are and your right to the money. The proof will vary from case to case and the bank will decide what it requires.

Step 4 — Bank processes your claim.

Once your claim is approved by the bank and they have contacted the state treasury department, it usually takes 60 days to release the funds to the bank so they can pay you.

What bank account money is held by the state treasury department

The state treasury department holds money from bank, credit union and building society accounts that have not been used in 7 years and contain a balance of $500 or more. On 31 December 2015 this changed from 3 years.

With savings bank accounts, the state treasury department unclaimed monies online search database goes back to 1989. Trading bank accounts go back to 1959. With credit union and building society accounts, our database goes back to 1992.

If you think the account you are looking for was last accessed before 1992, you should contact the state or territory government's office of state revenue or state treasury where the bank, credit union or building society was originally registered. For example, if the credit union or building society was registered in TEXAS, you will need to go to Revenue TEXAS. If you are unsure where the bank was registered you should contact them to find out.

Claim money from shares and investments shares and investments

If we have found a name on an unclaimed money search that is relevant to you and the money is listed as 'Company money' or 'Company gazette', here's how we help you claim it.

How to claim lost shares and investments held by The State treasury department.

This is how we claim money listed in an unclaimed money search as 'Company money' if you are claiming as:

• an individual

• a joint shareholder

• an executor of a deceased estate

• a director, secretary or liquidator of a registered company

• a proprietor of a registered business

• a trustee of a superannuation fund or trust fund

• a parent or guardian of a minor or person holding power of attorney.

How long your claim will take

It takes the state treasury department 60 days to process your claim from the date the request is received. If you are outside America the process will be longer as they will have to mail the check to you.

Why we ask for proof of ownership

We ask you to give us specific documents when you claim money to make sure that that they give the money to the right person. These documents prove your identity and that you own or are entitled to the unclaimed money. Unfortunately, identity theft is common so the state treasury department job is to ensure the money gets to the rightful owner.

The claims process

Step 1 — Record your Original Transaction Number (OTN)

Note down the Original Transaction Number (OTN) as we will need to quote your OTN on the claim form in Step 2.

Step 2 — Complete the claim form.

(a) Download the How to claim your money form and gather the required documents if you are claiming the money as:

• an individual (including joint shareholders)

• the director(s) or secretary of a registered company

• a liquidator of a registered company

• a proprietor of a registered business or

• the parent of a minor

or

(b) Download the How to claim money form for representatives and gather the required documents if you are claiming the money as the:

• executor or administrator of a deceased estate

• trustee of a superannuation fund or trust fund

• power of attorney (POA) or

• guardian appointed by the court

Step 3 — Send the claim form and documents to The State Treasury Department.

Send the claim form and documents to the state treasury department as per the instructions on page 4 of the claim form.

Step 4 — The State Treasury Department processes your claim

Once your claim process is complete you will receive your claim it will take about 60 days to process.

How to claim lost shares and investments held by the company

This is how we assist our clients to claim money or shares listed in an unclaimed money search as 'Company Gazette'.

The reason you claim this money in a different way is because the company has sent details of the money to the state treasury department (name and the unclaimed amount), but not the money itself. This could include money or shares from a takeover.

The claims process

Step 1 — Search the The State Treasury Department gazette

We need to do this to get contact information for the company that originally held the shares.

Step 2 — Contact the company

The company can tell us how to claim the money or shares. Companies will often use a 'share registry' to do this.

If we can't find the company's contact details, we will request for it.

How to claim money owed to a deregistered company

What happens when a company is deregistered

Ordinarily as a result of deregistration:

• all property the company held on trust at deregistration belongs to the Commonwealth

• all non-trust property the company owned at deregistration belongs to The Treasury Department

• the treasury department is the only party legally able to deal with the company's property.

Looking for money from a bank account in the name of a deregistered company?

Currently, a number of banks are submitting bank accounts to the treasury department that were held in the name of a deregistered company. If your deregistered company name does not appear when you do an unclaimed money search, the state treasury has not yet received the funds.

It is the responsibility of the bank to remit the funds to the state treasury.

the state treasury department records are updated daily, so please continue to check for the deregistered company money. The state treasury may request that the company be reinstated to make a claim.

Found your deregistered company name on the unclaimed money search?

If we finds a record on an unclaimed money search in the name of a deregistered company, consider reinstating the company. We may request reinstatement to claim the company money.

If the costs of reinstatement are more than the funds held by the state treasury department, or if the amount held is of low value, the treasury department may approve a claim if the company was solvent at the time of deregistration and the company did not owe any creditors, did not have any security interests registered on the Personal Property and Securities Register and you are the owner of the shares. However, the treasury department assesses claims on a case-by-case basis.

If this applies all former shareholders should make a claim by completing this Statutory declaration for claims by shareholders of deregistered companies and provide the requested documentation.

Do not complete this statutory declaration if the company was in a court ordered or creditor's voluntary liquidation before it was deregistered. To be able to claim the funds, we will need to arrange for the company to be reinstated and a liquidator appointed to distribute the funds.

If you need help with deregistered company claims

If you are unsure whether to complete the statutory declaration or reinstate the company please email or write to us with the following details:

• name of the deregistered company

• Original Transaction Number (OTN) from the unclaimed money search

• name and contact information for former members (current address details).

• reasons why you think you don't need to reinstate your company.

Purchasing property registered in the name of a deregistered company

If you are interested in purchasing property registered in the name of a deregistered company, you can apply through us to the State Treasury Department.

How to claim money owed to a deregistered company acting as trustee for a trust or superannuation fund

If we finds a record on an unclaimed money search in the name of a deregistered company acting as trustee for a trust or superannuation fund, there are a number of considerations as to who can make a claim.

The superannuation fund must be registered as a complying fund with the American Taxation Office before we can pay the money to the trustee of the superannuation fund.

How to claim money owed to a deregistered business

If we finds a record on an unclaimed money search in the name of a deregistered business, the former proprietors of the business at the time of deregistration may be entitled to claim.

providing these following informations will help facilitateyoursearch:

• details of the record being claimed, including the OTN (original transaction number)

• verification of former proprietors of the deregistered business (e.g. business name extract at the time of deregistration)

How to claim money for someone who died without a will

If the record you have located on an unclaimed money search is owed to someone who died without a will or probate it is considered that they died intestate

To claim money on behalf of someone in this situation you need to confirm the following information:

• There was no will — State succession laws will apply if there was no will and beneficiaries of the estate may be entitled to the funds.

• No probate was granted — Contact the probate registry in the state the person died to confirm this.

In some cases you may also need to apply to court to have an administrator appointed to deal with the deceased estate property.

To make an initial claim you will need to provide the following information:

• names of the beneficiaries (children and spouse/defacto of the deceased)

• the value of the estate

• the place and date of death

• the deceased's usual place of residence

• confirmation from Probate Office that no Probate or Letters of Administration have been granted on the estate

After we have received your email, we will advise you of our requirements to make a claim.

Having trouble finding proof of address

To make a claim you will need to provide a certified copy of an official notice addressed to you at the postal address that appears on the unclaimed money record, whether that is your current or a former address. This proof helps the state treasury department determine if you are the rightful owner.

Here are some examples of an official notice that is acceptable:

• dividend advice or takeover notice (from any company)

• bank statement

• council rates notice

• government correspondence

• utilities bill

• birth, marriage or death certificate of a relative (as long as you can prove kinship)

• certificates or academic results

The State Treasury Department reserves the right to request original documentation. Please retain any original proof of address documents until your claim has been processed.

The treasury department will also accept official documents that you can request from other organisations, as long as the document includes the date of birth and address as it appears on the unclaimed money record:

• electoral roll confirmation letter — contact the American Electoral Commission (If you ask the AEC for this information about another person they will not give it to you. They will only give you this information if it is about yourself.)

• transport authority confirmation letter — contact the department of transport in your state or territory

• bank or financial institution confirmation letter

Alternatively, if the address on your unclaimed money record was for a business or company, you can provide the treasury department with a document from that business (showing the address as it appears on the unclaimed money record).

Who to contact

For information or assistance, and whether you should lodge a complaint or report your concerns to Accord Station Kindly click the chat icon button at the bottom of our website.