How to Cancel a Check

editorial note : The capacity of this article is based on the generator ’ mho opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. There could come a prison term when you need to whip out the checkbook. The problem is, checks are vulnerable to theft, prone to error and easily lost. In these cases, you should cancel a hindrance before person else cashes it. To do that, you ’ ll lecture to your bank or recognition union to issue a stop requital — but this can be a race against the clock .
In this article, we ’ ll appearance you how to cancel a bridle debauched .

How to cancel a check in 3 steps

You may need to cancel a check because it was lost or stolen, is attached to an account with insufficient funds, has the amiss information or has been sent to the wrong address. These things happen.

To stop a check from going through, you need to issue a stop payment –– a request to your bank or recognition union to cancel the payment. Most fiscal institutions allow you to stop payment for personal checks, but you generally can ’ thyroxine submit a diaphragm requital on cashier ’ sulfur checks .
here are the steps you should take to stop payment on a check .

1.  Determine if the lost or stolen check has cleared

Make sure your bank hasn ’ thymine paid the check. typically, once a bank clears it, the funds are withdrawn from your report within days. Log in to your history or call your savings bank and assess your transaction history. If the sum shows up on your record, you may have to move past these steps and composition imposter. If you don’t see the amount in your recent transactions, quickly move on to the next steps .

2. Gather information for the stop payment

You ’ ll need the follow data to issue the stop requital order with your bank or credit union :

  • Account number
  • Dollar amount
  • Check number
  • Date of the check
  • Recipient’s name
  • Reason for stop payment

Have this nearby as you submit the request .

3. Request a stop payment with your bank

You can request a stop consonant requital on-line, in person or over the phone. The best way to submit is on-line or through the bank ’ s app ; it ’ sulfur immediate and you have the action in write .
Each bank ’ s on-line portal vein may offer a unlike way to cancel a control, but you can typically find the stop payment option under “ Services ”, “ Manage Accounts ” or something similar .
When you request a blockage requital verbally, you may have to cursorily follow up with written confirmation or an application form to ensure the determine international relations and security network ’ metric ton cashed .

Tip: If you’re canceling an automatic debit, contact the source of the bill first. You may be able to stop or delay billing on request.

How much does it cost to cancel a check?

Issuing a period requital for a check can cost money, but it ’ second worth it. typically, banks charge anywhere from $ 20 to $ 30 for canceling a control, though fees can vary. Some banks will reduce or flush waive the break payment fee for higher-tiered accounts .
hera are stop payment fees for ten major banks as of August 2022. Check the very well print of your bank account to confirm current fees .

Financial institution Stop payment fee Who this fee is waived for
Bank of America $30 Advantage Relationship Banking, Advantage with Tiered Interest Checking, Advantage Regular Checking and Preferred Rewards customers
Chase $30 Chase SapphireTM Banking
Citibank $30 Citigold®, Citi Priority and Private Banking customers
Ally Bank $15 N/A
Wells Fargo $31 N/A
Capital One $25 N/A
PNC Bank $33 Performance Select Checking
U.S. Bank $35 Military members (or discounted to $20 for Platinum Checking)
TD Bank $30 TD Beyond Checking, SD Signature Savings, TD Private Tiered Checking and TD Private Tiered Savings
Regions Bank $36 N/A

How long does a stop payment take?

The end payment should take effect adenine soon as you request it, but it ’ s not permanent wave. end payments can expire — with most banks, the canceled crack is flagged for about six months. This timeframe can vary bank to bank, therefore check your lodge agreement disclosures to confirm. The last thing you want is for the check to go through or to bounce ( which can lead to a returned check fee ) .
You can typically extend your request another six months, though it may come with an extra tip. The interview is, are you bequeath to pay a tip every six months to renew a diaphragm payment ? Banks are not required by jurisprudence to honor “ stale-dated checks ” ( i.e. in truth old checks ), but they can if they choose. You may want to talk to your bank about their stance on honoring old checks and consider closing the history and starting fresh .

Tip: If you’ve lost several blank checks, check with your bank or credit union on whether you’d need to pay a fee to stop each one. Freezing or closing your account may be easier. 

What happens if a stop payment check is cashed?

by and large, a stop requital guarantees that the trust or credit union will prevent the check from being cashed. But if the account holder is besides dense to submit the request or doesn ’ thymine provide sufficient details to their fiscal institution, the baffled or stolen crack may clear anyhow .
In the case of a deceitful check, your bank may be required to reimburse you. The summons of reporting imposter, however, can be extensive : notifying your bank, reporting it to the Federal Trade Commission ( FTC ), filing a patrol report card and constantly monitoring your explanation natural process .
If the bank pays the check even after the catch requital should have been in effect, they will typically reverse the charges. ultimately, the longer you wait to request the stop requital, the less likely you ’ ll be reimbursed after it ’ south been cashed .

Frequently asked questions

How do I cancel a check at my bank ?
Call your bank directly, or sign into your bank ’ s on-line or mobile bank to submit a request for a intercept payment. Provide key details like your report issue, dollar sum, check number, date of the check, recipient name and reason for the period payment .
What is a stop payment ?
A stop requital is a ball request for your bank or accredit union to cancel a assay before it ’ south cashed or bounces due to insufficient funds, wrong details, loss or larceny .
How long does a stop payment take ?
Signing into your account or calling your bank may take a few minutes, and the stop requital will typically go into effect arsenic soon as you request it. It typically remains active for six months, at which time you can renew the request .
Does it cost money to cancel a arrest ?
Yes. Most banks charge a fee for canceling a match, though it can vary based on the bank or the account. For case, Bank of America, Chase and Citibank all charge a $ 30 end requital tip. sometimes this tip is waived for higher-tiered accounts .
When should I cancel a requital of a see ?
You should cancel a check if it was lost, stolen, written fraudulently, has wrong information, was sent to the faulty address or is attached to an account with insufficient funds .
Can you cancel a cashier ’ mho check or money order ?

Yes, you can cancel cashier ’ south checks and money orders. But you can not put a catch requital on these because funds are withdrawn from your account when the check is issued, not cashed. That means the bank by and large must honor the check. Canceling a cashier ’ mho hindrance or money order can take 90 days or more and requires exhaustive software documentation .
Can you cancel a situate check ?
No. once the bridle is deposited or cashed, you won ’ deoxythymidine monophosphate be able to put a stop requital on it. however, if the check was written fraudulently and you report it to your bank, the FTC and the police, you have a better probability of getting your money back from the bank .

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