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Often, Ms. Pierce said, "there’s a hefty charge for getting the box rekeyed," so keep it in a safe place. Also, be certain to keep current on rental fees, Ms. Pierce mentioned. Details fluctuate by state, she said, but usually, 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-only monetary planner in Midlothian, Va., said he inspired clients to take an inventory and to go to the field periodically to verify its contents. He stated a relative’s protected deposit field was mistakenly drilled open and emptied by her financial institution, which had confused it with one other field with an identical number whose proprietor had fallen delinquent on rental fees. The box’s contents - together with a watch with sentimental worth - have been ultimately recovered, he said. But the incident suggests that letting objects languish indefinitely is a mistake.

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