Unclaimed property consists of money and other personal assets that are considered lost or abandoned when an owner cannot be located after a specified period of time. These assets can include checking accounts, certificates of deposit, customer deposits and over-payments, gift certificates, paid-up life insurance policies, unpaid wages, commissions, un-cashed checks, death benefits, dividends, insurance payments, money orders, refunds, savings accounts, stocks, and proceeds of safe deposit box auctions.