Unclaimed property compliance isn't optional. Doing it by hand is. If your institution holds dormant deposits, uncashed cashier's checks, or matured CDs, you are a holder under every state's unclaimed property law. AssetLink PRO turns that patchwork of owner-notice, reporting, and remittance obligations into one managed, auditable process.
All fifty states and D.C. have unclaimed property statutes. Dormancy periods, due-diligence mailing windows, dollar thresholds, and filing deadlines vary by state and by property type, and they change.
Checking and savings accounts, CDs, cashier's checks, money orders, and safe-deposit contents all escheat. A retail institution touches more property types than almost any other kind of holder.
Late or missed filings expose you to interest, penalties, and multi-state audits that can reach back years. Examiners expect documented due diligence, not a best effort on a spreadsheet.
Every U.S. jurisdiction requires holders of unclaimed property to notify owners, report, and remit on that state's schedule. AssetLink PRO runs that entire lifecycle in one platform: your records go in, compliant state filings come out, and every step in between is tracked and auditable.
Property records arrive as a CSV export from your core systems. The importer checks every row up front and reports problems before anything is written. Clean batches commit all-or-nothing, so a bad file never leaves your data half-loaded.
Automated scans flag records that would fail downstream: missing or malformed owner details, incomplete addresses, screening hits. Flags queue up for operators to resolve while the rest of the portfolio keeps moving.
A jurisdiction-by-property-type rules matrix assesses each record against its state's dormancy law. Every property lands in a clear state: not yet started, too soon to act, or eligible for the current reporting month, with no spreadsheet interpretation required.
The mail center generates owner notices from approved letter templates as print-ready PDFs, honoring each state's mailing window and dollar threshold. Responses are logged as they come back. An owner who replies is reunited with their property and comes off the escheat path.
Reporting months roll eligible property up by state. A forecast shows exactly what will file before it does; once you sign off, the report is encoded in NAUPA II, the electronic format state unclaimed-property programs require.
Each filed report carries a matching remittance, so the funds transferred to the state reconcile exactly with what was reported, and the property record closes out with a full history behind it.
A maintained rules matrix, jurisdiction by property type, decides when each account becomes dormant, when notices must mail, and when it files. Your team stops hand-tracking fifty different calendars.
The legally required owner notices are generated from approved templates, mailed inside each state's window, and logged. When an examiner asks whether you attempted contact, the answer is on file.
Every notice response is tracked. An owner who replies keeps their account and comes off the escheat path. Funds you would otherwise remit stay a customer relationship instead.
Reports are encoded directly in NAUPA II, the electronic format state unclaimed-property programs require. No format conversion step, no rejected submissions to rework.
Every reporting month opens as a forecast: which properties, which owners, which dollar totals, state by state. You review the whole picture before anything is submitted.
Every import, flag resolution, notice, and filing is attributed and timestamped in a permanent audit log. Your compliance story writes itself as the work happens.
Linking Assets staff propose rule changes and notice templates; only your team can approve them.
Your users see your organization's data and nothing else; access is scoped and role-based.
TOTP-based 2FA on every account, staff and client alike.
A permanent, attributed log of every operator action across the platform.
AssetLink PRO isn't software you're handed and left to run. Linking Assets Inc. operates the day-to-day work of importing files, working data flags, and preparing notices and reports, while your team reviews and approves at every gate. You get the leverage of a dedicated escheatment operation without staffing one.
See AssetLink PRO on your own data, end to end.
Get in TouchIf you received a letter or need any help.