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Lost a check, what should I need to do to cancel my check?

If lost a check and want to cancel a lost check, also known as a stop payment order, collect lost check information and notify your bank as soon as possible. The order is typically for a period of six months.

You’re not out of luck if you misplace or lose a personal check. You can cancel the lost check by obtaining a stop payment order from your bank or credit union, but you’ll need to move quickly before the lost check is cashed.

1. Lost a check, first check to see if the check has cleared.

In general, you can only avoid a check from being paid if your bank hasn’t done so. So log into your online bank account or use your mobile device to check your balance. Check your transaction history to see if the check has been sent. If the check was stolen and it has cleared, it is important to report the fraud as soon as possible.

» Do you think you’ve been duped? If your account is in jeopardy, learn the four steps you should take.

2. Assemble a list of relevant facts.

Before you contact your bank, you’ll need the following information:

  • What is your account number?
  • The number of the check
  • The check’s exact number.

The date on the check, the name of the recipient (the “payee”), and the person who signed the lost check may also be needed, particularly if you have a joint account and the lost check was written by someone else.

3. Get in touch with your bank if you lost a check

To request a stop charge, you must give your bank notice orally or in writing. Banks recommend contacting them in a variety of ways, but you can typically do so online, in a branch, or by calling the phone number on the back of your debit card.

The stop payment request should take effect until the bank authorises it, assuming the lost check hasn’t already been submitted to the bank.

4. Authorize any payments associated with a stop payment.

Customers at a few banks and credit unions aren’t paid to cancel a deposit, while some charge up to $35, which is deducted from your account.

“Cancelling a check will cost anywhere from $0 to $35, depending on the bank. ”

Depending on how you contact the bank, the amount can differ. Requesting a stop payment over the phone rather than online, for example, can result in a higher fee. Before the bank can process the stop payment order, you must accept these fees.

Customers with premium accounts may be excluded from fees at certain institutions. To see what 24 banks charge for cancelling a lost check, click the green button below.

Find out how much it costs to cancel checks at various banks.

5. Take note of the stop payment order’s expiration date.

A stop payment order normally lasts six months, but it can last a year or longer at certain banks. You may extend the order for another time whenever it expires. Many banks will not cash a lost check that is older than six months.

FAQ’s if lost a check


Stop payments may be demanded for a series of checks as well as pre-authorized ACH debit transactions including periodic bill payments. According to federal law, you must inform your bank orally or in writing at least three business days before the transfer date. Your bank can require written confirmation of your request within 14 days if you call. You can’t cancel one-time electronic ACH transfers because it’s against the rule.


Banks are not obliged to stop cashier’s checks, but they can do so in the event of fraud. Since these payment methods depend on bank funds, they must be honoured by the bank.


If a check is stolen, a stop payment order isn’t your only choice. If a fraudulent check is accepted, you will be able to get the charges reversed if you contact your bank as soon as possible.


If required, contact the payee. In the case of a mistake or a missing check, inform the receiver of the request to stop payment and arrange for a new check to be sent.

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