@rbynaker yep a lot of those dividend checks are included on a quarterly  statement with perforated paper and the client doesn't realize that check is at the bottom. Are the entities being frugal? Or maybe hoping that the check is overlooked and not cashed? I don't know. Reminds me of old insurance policy of a client years ago. He said he had some kind of life insurance or something that was bought many many years ago that he found among his paperwork and he didn't know if it was worthless or not. He was a good guy and of immigrant stock so I wrote a letter to the company and sure enough it was worth some money, and I think he cashed it out and got his check. Always good to scrutinize paperwork.