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Often, Ms. Pierce stated, "there’s a hefty cost for getting the field rekeyed," so keep it in a protected place. Also, make certain to keep present on rental charges, Ms. Pierce stated. Details vary by state, she said, but generally, after a interval of notice, the financial institution may be allowed to promote the contents of the box to pay delinquent fees. Any excess cash is turned over to the state as unclaimed property. David J. O’Brien, a fee-solely monetary planner in Midlothian, Va., said he inspired shoppers to take an inventory and to go to the field periodically to confirm its contents. He mentioned a relative’s protected deposit field was mistakenly drilled open and emptied by her bank, which had confused it with another box with a similar quantity whose proprietor had fallen delinquent on rental charges. The box’s contents - including a watch with sentimental worth - had been finally recovered, he mentioned. However the incident means that letting items languish indefinitely is a mistake.

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