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Credit Tip: When you are offered a lower interest loan or credit card than what you currently have, should you change your creditor? First, call your creditor and let them know you've been offered a lower rate, and see if they will match it. If so, in addition to getting a lower rate you'll also avoid any refinance or balance transfer fees.


Credit Tip: Bank officers frequently tell their friends and family not to keep accounts at the same bank that issues their credit card. That's because the bank might withdraw cash from your account without your permission to pay off overdue credit card payments.

  

Search online to claim bank unclaimed funds, assets and other lost or forgotten property. There are millions in unclaimed money.

                  

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All discretionary grants offered by the 26 federal grant agencies can be found, plus you don't have to register with Grants.gov to find grant opportunities. However, once you are ready to apply for a grant, you will need to register. This registration approval process takes 3-5 business days.

Free Grant Opportunities Search

  • Search by keyword, Funding Opportunity Number (FON) or Catalog of Federal Domestic Assistance (CFDA) number.

  • Search by a variety of categories of funding activities.

  • Search from a list of agencies offering grant opportunities.

  • Search by more specific criteria such as: Funding Instrument Type, Eligibility or Sub-agency.

  • Search for Recovery Act Opportunities.

   

   

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ALABAMA Unclaimed Money Unclaimed Money
State Treasury
Unclaimed Property Division
P.O. Box 302520
Montgomery, AL 36130-2520
Phone No. (888) 844-8400
Fax No. (334) 242-9620

ALASKA Unclaimed Money
Unclaimed Property
PO Box 110420
Juneau, AK 99811-0420
Phone: 907.465.3726
Fax: 907.465.2394

ARIZONA Unclaimed Money
Department of Revenue
Unclaimed Property Unit Site Code 604
P.O. Box 29026
Phoenix, AZ 85038-9026
Phone No. 602-364-0380
Fax No. 602-542-2089

ARKANSAS Unclaimed Money
Unclaimed Property Division
Auditor of State
1400 W. 3rd St., Suite 100
Little Rock, AR 72201-1811
Phone No. 1-800-252-4648
Phone No. 501-682-6000
Fax No. (501) 682-6005

CALIFORNIA Unclaimed Money
State Controller Steve Westly
Division of Collections - Bureau of Unclaimed Property
3301 C Street, Suite 712
P.O. Box 942850
Sacramento, CA 94250-5873
Phone No. (916) 323-2827
Phone No. 1-800-992-4647
Fax No. (916) 323-2851

COLORADO Unclaimed Money
The Great Colorado Payback Office
1120 Lincoln Street
Suite 1004
Denver, CO 80203
Phone No. (303) 894-2443
Phone No . (800) 825-2111
Fax No. (303) 894-2351
Email: greatcopayback@qwest.net

CONNECTICUT Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
PO Box 5065
Hartford, CT 06102
Phone No. (800) 833-7318
Fax No. (860) 702-3044

DELAWARE Unclaimed Money
Bureau of Abandoned Property
P.O. Box 8931
Wilmington, DE 19899
Phone No. (302) 577-8205
Fax No. (302) 577-8656

DISTRICT OF COLUMBIA Unclaimed Money
Office of Finance & Treasury
Unclaimed Property Unit
810 1st Street NE, Room 401
Washington, DC 20002
Phone No. (202) 442-8181
Fax No. (202) 442-8180
Email: DCUnclaimed.Property@dc.gov

FLORIDA Unclaimed Money
Department of Financial Services
Tom Gallagher, Chief Financial Officer
200 E. Gaines Street
Tallahassee, FL 32399-0358
Phone No. (850) 410-9253
Fax No. (850)410-9728
Phone No. FL only 1-888-258-2253
Email: funclaim@dfs.state.fl.us

GEORGIA Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490
Fax No. (404) 968-0772
Email: ucpmail@gatax.org

HAWAII Unclaimed Money
Georgia Department of Revenue
Property Tax Division
Unclaimed Property Section
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone No. (404) 968-0490
Fax No. (404) 968-0772
Email: ucpmail@gatax.org

IDAHO Unclaimed Money
Idaho State Tax Commission
Unclaimed Property Section
P.O. Box 36
Boise, ID 83722-0410
Phone No. (208) 334-7623
Phone No. (800) 972-7660 Ext. 7627
Fax No. (208) 364-7392

ILLINOIS Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
PO Box 19495
Springfield, IL 62794-9495
Phone No. (217) 785-6992
Fax No. (217) 557-5871

INDIANA Unclaimed Money
Attorney General's Office
Unclaimed Property Division
402 W. Washington, Ste. C-531
Indianapolis, IN 46204
Phone No. (317) 232-6348
Fax No. (317) 232-7979
Email: UPD@atg.state.in.us

IOWA Unclaimed Money
Michael L. Fitzgerald, State Treasurer
The Great Iowa Treasure Hunt
Lucas State Office Building
321 East 12th Street
1st Floor
Des Moines, IA 50319
Phone No. (515) 281-5367
Fax No. (515) 242-6962
Email: foundit@tos.state.ia.us

KANSAS Unclaimed Money
State Treasurer
Unclaimed Property Division
900 Jackson Suite 201
Topeka, KS 66612-1235
Phone No. (785) 296-4165
Fax No. (785) 296-7950
Email: Unclaimed@treasurer.state.ks.us

KENTUCKY Unclaimed Money
Treasury of Kentucky
Unclaimed Property Division
Capitol Annex, Suite 183
Frankfort, KY 40601
Phone No. (800) 465-4722
Fax No. (502) 564-4200
Email: Unclaimed.property@mail.state.ky.us

LOUISIANA Unclaimed Money
State Treasurer
Unclaimed Property Division
P.O. Box 91010
Baton Rouge, LA 70821
Phone No. 225-219-9400
Fax No. (225) 342-0046

MAINE Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
39 State House Station
Augusta, ME 04333-0039
Phone No. (207) 624-7470
Phone No. (888) 283-2808 (ME only)
Fax No. (207) 287-6842
Email: unclaimed.property@Maine.gov

MARYLAND Unclaimed Money
Unclaimed Property Unit
301 W. Preston Street
Baltimore, MD 21201-2385
Phone No. (800) 782-7383
Phone No. (410) 767-1700
Fax No. (410) 333-7150
Email: unclaim@comp.state.md.us

MASSACHUSETTS Unclaimed Money
Dept of the State Treasurer
Commonwealth of Massachusetts
Abandoned Property Division
1 Ashburton Place, 12th Floor
Boston, MA 02108
Phone No. (617) 367-0400
Fax No. (617) 248-3944

MICHIGAN Unclaimed Money
Department of Treasury
Unclaimed Property Division
PO Box 30756
Lansing, MI 48922
Phone No. (517) 636-5320
Fax No. (517) 636-5324

MINNESOTA Unclaimed Money
Minnesota Department of Commerce
Unclaimed Property Division
85 7th Place East, Suite 500
St. Paul, MN 55101-3165
Phone No. 651-296-2568
Phone No. 800-925-5668 (MN only)
Fax No. 651-284-4108
Email: unclaimed.property@state.mn.us

MISSISSIPPI Unclaimed Money
Treasury Department
Unclaimed Property Division
P.O. Box 138
Jackson, MS 39205-0138
Phone No. (601) 359-3600
Fax No. (601) 359-2001

MISSOURI Unclaimed Money
State Treasurer's Office
Unclaimed Property Section
P.O. Box 1272
Jefferson City, MO 65102
Phone No. (573) 751-2411
Fax No. (573) 751-9443
Email: treasurer@treasurer.mo.gov

MONTANA Unclaimed Money
Department of Revenue
ATTN: Unclaimed Property
P.O. Box 5805
Helena, MT 59604-5805
Phone No. (406) 444-6900
Fax No. (406) 444-0722
Email: dspurlock@state.mt.us

NEBRASKA Unclaimed Money
Unclaimed Property Division
P.O. Box 94788
Lincoln, NE 68509
Phone No. (402) 471-2455
Fax No. (402) 471-4390
Email: info@treasurer.org

NEVADA Unclaimed Money
Office of the State Treasurer
Unclaimed Property Division
555 E Washington Avenue
Suite 4200
Las Vegas, NV 89101-1070
Phone No. (702) 486-4140
Fax No. (702) 486-4177
Email: unclaimed@NevadaTreasurer.com

NEW HAMPSHIRE Unclaimed Money
Treasury Department
Unclaimed Property Division
25 Capitol Street , Room 121
Concord , NH 03301
Phone No. (603) 271-2619
Fax No. (603) 271-3922
Email: ap@treasury.state.nh.us

NEW JERSEY Unclaimed Money
Unclaimed Property
P.O. Box 214
Trenton, NJ 08695-0214
Attn: Claims Section
Phone No. (609) 292-6400
Fax No. (609) 984-0593
Email: taxation@tax.state.nj.us

NEW MEXICO Unclaimed Money
Taxation & Revenue Department
Unclaimed Property Division
P.O. Box 25123
Santa Fe, NM 87504-5123
Phone No. (505) 827-0767
Fax No. (505) 827-1759
Email: poffice@state.nm.us

NEW YORK Unclaimed Money
State Comptroller
Office of Unclaimed Funds
110 State Street
Albany, NY 12236
Phone No. (518) 270-2200
Phone No. (800) 221-9311 (NY only)
Fax No. (518) 473-2177

NORTH CAROLINA Unclaimed Money
Department of State Treasurer
Esheat & Unclaimed Property
325 North Salisbury Street
Raleigh, NC 27603-1385
Phone No. (919) 508-5176
Fax No. (919) 508-5167
Email: unclaimed.property@treasurer.state.nc.us

NORTH DAKOTA Unclaimed Money
State Land Department
Unclaimed Property Division
P.O. Box 5523
Bismarck, ND 58506-5523
Phone No. (701) 328-2800
Fax No. (701) 328-3650
Email: llfisher@state.nd.us

OHIO Unclaimed Money
Department of Commerce
Division of Unclaimed Funds
77 South High Street - 20th FL
Columbus, OH 43215-6108
Phone No. (614) 466-4433
Fax No. (614) 752-5078
Email: unfd.claims@com.state.oh.us

OKLAHOMA Unclaimed Money
Oklahoma State Treasurer's Office
Unclaimed Property Division
4545 North Lincoln Boulevard, Suite 106
Oklahoma City, OK 73105-3413
Phone No. (405) 521-4275
Fax No. (405) 521-2146
Email: Unclaimed @treas.state.ok.us

OREGON Unclaimed Money
Department of State Lands
Trust Property Section
775 Summer Street NE Suite 100
Salem, OR 97301-1279
Phone No. (503) 378-3805
Fax No. (503) 378-4844
Email: claims@dsl.state.or.us

PENNSYLVANIA Unclaimed Money
State Treasurer Barbara Hafer
Unclaimed Property Division
P.O. Box 1837
Harrisburg, PA 17105-1837
Phone No. (800) 222-2046
Fax No. (717) 787-9079

RHODE ISLAND Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 1435
Providence, RI 02901-1435
Phone No. (401) 222-6505
Fax No. (401) 274-3865
Email: treasury@treasury.state.ri.us

SOUTH CAROLINA Unclaimed Money
Unclaimed Property Program
State Treasurerís Office
PO Box 11778
Columbia, SC 29211-1778
Phone No. (803) 737-4771
Fax No. (803) 734-2668
Email: payback@sto.state.sc.us
SOUTH DAKOTA Unclaimed Money
Office of the State Treasurer
Unclaimed Property
500 E Capitol Ave.
Pierre, SD 57501-5070
Phone No. (605) 773-3379
Fax No. (605) 773-3115
Email: unclaimed@sdtreasurer.com

TENNESSEE Unclaimed Money
Unclaimed Property Division
9th Fl, Andrew Jackson State Office Bld
Nashville, TN 37243
Phone No. (615) 741-6499
Fax No. (615) 734-6458
Email: UCP.Information@state.tn.us

TEXAS Unclaimed Money
Texas Comptroller of Public Accounts
Unclaimed Property Division
P.O. Box 12019
Austin, TX 78711-2019
Phone No. 1-800-564-3463
Fax No. (512) 936-6224
Email: unclaimed.property@cpa.state.tx.us

UTAH Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
341 South Main St., 5th Floor
Salt Lake City, UT 84111
Phone No. (801) 320-5360
Phone No. (888) 217-1203
Fax No. (801) 533-4096

VERMONT Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
133 State Street
Montpelier, VT 05633-6200
Phone No. (802) 828-2407
Fax No. (802) 828-2772

VIRGINIA Unclaimed Money
Department of Treasury
Unclaimed Property Division
P.O. Box 2478
Richmond, VA 23218-2478
Phone No. (800) 468-1088
Phone No. (804) 225-2142
Fax No. (804) 786-4653
Email: ucpmail@trs.state.va.us

WASHINGTON Unclaimed Money
Department of Revenue
Unclaimed Property Section
PO Box 47477
Olympia, WA 98504-7477
Phone No. (360) 586-2311
Phone No. 800-435-2429 (WA only)
Fax No. (360) 586-2163

WEST VIRGINIA Unclaimed Money
Office of State Treasurer
Unclaimed Property Division
One Players Club Drive
Charleston, WV 25305
Phone No. (800) 642-8687
Fax No. (304) 558-4835

WISCONSIN Unclaimed Money
State Treasurer's Office
Unclaimed Property Division
P.O. Box 2114
Madison, WI 53701-2114
Phone No. (608) 267-7977
Fax No. (608) 261-6799
Email: unclaim@ost.state.wi.us

WYOMING Unclaimed Money
Unclaimed Property
2515 Warren Avenue, Suite 502
Cheyenne, WY 82002
Phone No. (307) 777-5590
Fax No. (307) 777-5430
Email: wyomingup@state.wy.us

 

NCUA provides a list of members who have unclaimed shares.
You may browse the entire list by pressing the Search button or search by certain criteria. If you find your name and believe we may be holding funds for you please follow the instructions below.

 

Why does NCUA have unclaimed property? When a credit union with federal insurance is liquidated, NCUA's Asset Management and Assistance Center (AMAC) is responsible for paying the share accounts to the members. Invariably, some items may remain unclaimed. Some checks are never cashed; or the credit union's address information was incomplete. There are also cases when we don't have a recent address and are unable to receive a forwarding address from the post office.

 

Share accounts claimed within the 18-month insurance period are paid at their full insured amount. At the expiration of the 18-month insurance period, shares that are not claimed are considered uninsured and written down to share in the loss to the NCUSIF. Even if shares are uninsured when they are claimed, there may still be a distribution.

 

On rare occasions the liquidation of a credit union may result in surplus funds. If a surplus remains, a distribution to the shareholders is required. This may occur several years after the credit union is liquidated and it is sometimes difficult to locate these members.

 

Did you find your name? If you find your name, and currently or at one time lived in the city or state indicated, and you had funds in the referenced credit union, please send your current name and address to us.

  • Download the form. If you're not sure if you are the person listed, fill out the top half of the form only. We will use your social security number and signature to identify you. If you are fairly certain that you are the person listed, fill out the bottom half of the form and have it notarized. Please send it to the address listed on the form.

  • For more information please conact us:

AMAC
4807 Spicewood Springs Road
Suite 5100
Austin Texas 78759
Phone: 512-231-7900
FAX: 518-231-7920

E-Mail : amacmail@ncua.gov

We will use your social security number and your signature to identify you. We will compare the information you provide to the credit union's records.

  


The Electronic Fund Transfer Act (EFTA) protects you against accounting errors and unauthorized withdrawals involving debit card transactions (deducted directly from your bank account) by personal computer, ATM or other electronic device, if you report the problem promptly. Perhaps the biggest protection for online shoppers is the right to correct errors or unauthorized charges if you contact your financial institution within 60 days after the statement containing the problem was sent. Also, in cases of lost or stolen cards, "the EFTA limits your liability for unauthorized transfers to a maximum of $50 if you notify the bank within two days after discovering the loss or theft," explains FDIC attorney Robert Patrick. Eric Kooistra of the FDIC's Division of Compliance and Consumer Affairs notes that in many situations the major bank cards will voluntarily cover all losses from unauthorized transfers "as a way to promote worry-free use of your credit card and debit card online."


Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

Personal loan grants - Grants and Special Services for Individuals - financialfreedomexpress.com - Copyright © 2001-Present Financial Freedom Express. All rights reserved

There are basically two general types of grant programs for individuals. There are programs which offer direct payments to individuals, and others which indirectly benefit individuals by providing the the funding required to the desired service. Most grant programs indirectly benefit you, the individual.

For example, let's say you are at risk of losing your house or apartment because you do not have the funds for your next payment. If you meet the state eligibility requirements then the funding you need for next payment will be sent to your mortgage holder or landlord.

Now lets say that you have debt racked up on a few credit cards and need help paying them off. The government grants go to debt relief agencies which in turn work with you by providing counseling and or debt consolidation at no cost to you.

As you can see in these two examples, the funding goes to the person or organization offering the service. These are examples of indirect grant programs for individuals. The grants benefit you, but you do not see the money.

Currently there are over 5,500 private grant programs that award money directly to individuals each and every year. Many grant programs have been created specifically for seniors, the disabled, veterans, students, low-income earners, and those who need it the most! There are all types of grants to help you with your personal needs. You can find personal grants for: 

* Personal loan grant to buy a home
* Vehicles for the disabled
* Repairing your home
* Housing assistance
* Transportation
* Rent
* Debts
* Mortgage payments
* Childcare
* Legal services
* Bill payments for seniors
* Groceries
* Clothing
* General living expenses
* Real estate taxes

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