The cooling coils the air comes into contact with appear to need UV-C lights on them in humid climates. That's the biggest thing. If the ducts have never been cleaned, then getting that done goes without saying. But those coils need to be cleaned, disinfected, and then UV-C light(s) installed to prevent mold & bacteria build-up in the future on them. That appears to be chiefly responsible for the dirty laundry and/or sour milk smell coming from forced-air AC systems in humid regions.
Demonstrate visible evidence of microbial growth in your duct work. Some service providers may attempt to convince you that your air ducts are contaminated by demonstrating that the microorganisms found in your home grow on a settling plate (i.e., petri dish). This is inappropriate. Some microorganisms are always present in the air, and some growth on a settling plate is normal. As noted earlier, only an expert can positively identify a substance as biological growth and lab analysis may be required for final confirmation. Other testing methods are not reliable.
Furnace Circuit Board -- The furnace circuit board controls a variety of functions. It not only handles the regular operation of the furnace, it also monitors the furnace's various safety circuits. Over time, vibrations from the furnace can weaken solder point and cause them to separate. Dirt and debris can cause short-circuits that damage the board. Failure of the circuit board can cause a variety of effects ranging from the fan not turning on to the complete shutdown of the furnace.
EPA does not recommend that air ducts be cleaned except on an as-needed basis because of the continuing uncertainty about the benefits of duct cleaning under most circumstances. EPA does, however, recommend that if you have a fuel burning furnace, stove, or fireplace, they be inspected for proper functioning and serviced before each heating season to protect against carbon monoxide poisoning. Some research also suggests that cleaning dirty cooling coils, fans and heat exchangers can improve the efficiency of heating and cooling systems. However, little evidence exists to indicate that simply cleaning the duct system will increase your system's efficiency.
At the state level the rebates are still substantial. For example, switching to a zoned system can get you a $100 rebate from various A/C companies, and state rebates are also included. In Pennsylvania a high-efficiency air conditioner alone can get you up to $300, and a high-efficiency complete HVAC system can see up to $1000. Maryland's incentives get up to $1,250, with a $100 rebate on a tune up of an existing system.
On the other hand, if a service provider fails to follow proper duct cleaning procedures, duct cleaning can cause indoor air problems. For example, an inadequate vacuum collection system can release more dust, dirt and other contaminants than if you had left the ducts alone. A careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.